Lawrence,<p>I noticed on another post Toro Z-255 23hp Kohler 62" cut $6299.99. If you sold deck you plan on using with w/b and take the 600.00 dollars (Investment in deck) and 3000.00 dollars (cost of hydro tractor w/20hp Kohler) and make a down payment on Z-255 of 3600.00 you could pay for unit in full in about 10 weeks working 40 hours per week. How you ask?<br>The speed of ZTR will eliminate the need for another operator of w/b at let's say 7.00 per hour, which will save just in wages 280.00 per week. One less person to worry about showing up for work. After one year you will have about 1080 (27 weeks x 40)hours on your unit, after 2nd complete year of use about 2200 hours. Trade it in get a new unit. They also offer what is called 6 pack loans,no payment for 6 months and just think you can pay cash in 6 months with their money, being yours to use interest free! Think ZTR! Think big! You don't want to be a small fish in a big pool.<br>