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Looking also - Most finance places want to see good credit with 10% down. Figuring depreciation is tricky. If you buy a new "leftover" 2016, it's already a year or more old but nobody discounts them like they should. rv pricing and values on fb has some good info on this but they are biased toward buying late model used. I think that, over a 10 year period, putting down the least amount, maybe paying more than the minimum, and also investing an amount equal to at least the minimum rv payment might be a good strategy. Gap insurance might give some comfort about being upside down but at an additional cost.
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