I usually tell people to run from a lease, but? There’s always those that really don’t want to own a truck, some lease companies, like JCT, you can make a little better than a company driver, and if you finish the lease, you own the truck, just sell it, and move on to another, companies like JCT, also cover a lot of things a true owner op has to do on his own, they also pay all miles not just loaded, I haven’t been around JCT in some time now, so only basing this on how they where when I was there as a owner op (not a lease op) they where a honest company to get a truck if your credit wasn’t so good, but they also had better trucks back then, you could get a fairly decent set up truck, like a Pete 379, or KW900, I have seen they have moved to the move what I call a throw away truck, Cascadia’s with automatics with just the basic gauges,
If i ever take the plunge again it's gonna be by putting a decent amount down on a reasonably or fairly priced used truck so i can have the payments at the amount i want. That an I'd like to have an emergency fund in place. Just my 2 cents.