You mentioned "financing" around $20k.
I got my Mahindra 4510Cab w/ loader with a 6' shredder for about that money. The tractor was used with 250 hours on it. 2012 model. The shredder is HD and new.
45hp is pretty handy.
Since then I have added a post hole digger, 6' rotary tiller (gear driven).
Nice to have the cab too....
Food plot I put in with it.