I know the initial clean-ups are taking up a lot of your time, but will get better as you become more familiar with the property. I would suggest holding off until spring/early summer. That way you can save enough money so that you can pay cash or be able to pay it off quick. Another thing to consider; how much leaf removal are you going to be doing this year? If you have enough business lined up you could get the mower now and let it pay for itself that way.