Like others have said, look at bigger tractors because the used 20-35hp tractor's are not great deals. i looked for a long time and settled on buying a new tractor because any good used tractor was 9-15k depending on the implements it came with, so I boght new and got a 3 yr warranty and I can make low interest payments. Every dealer has some type of low interest/no interest financing right now.

I ended up buying a Mahindra 3215 with a FEL, 5' bush hog mower and a 5' box blade. I have a small farm (62 acres) and a 0.2 mile gravel road I maintain. I got no money down, 6 months no payments and then 72 months at 3.75% with no early payment penalty, I think the whole shootin match cost me $17K. The tractor is more than enough for what I use it for but whatever you get, make sure you get some extra weight on it. Either fill the tires with calcium or that new synthetic molasses stuff or the hang on weights you see at a tractor pull. Weight is the difference between getting your work done in one pass or spinning your wheels. Good luck. Oh yeah, if you get a diesel, and I suggest you do, run off road diesel in it (basically it's home heating fuel) or do what Im going to start doing, make your own from used cooking oil.