Yeah since motorhomes have an engine they take a big depreciation hit as soon as you drive it off the lot (like a car).
Even with 20 year financing, though, the lines do cross at some point (often long before 20 years). Thus even with 20 year financing you may only be upside-down on the loan for 5 or 10 years of it.
Also note that since RVs can be considered 2nd homes the interest is deductible.
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