Getting back to financing for a minute, try this: Get quotes from the NADA and the Black Book on the truck you want to purchase. Then, get pictures and prices on converted class 8 trucks from customizers like Butler Motor Coach, etc. They go for a BUNCH!
Take all this documentation to your friendly banker and explain what you are doing. You may find them more open-minded than you think. Also, credit unions many times are looking for places to loan money, so they may be more open to this approach.
Just a thought.
Gary
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