I was trained by and drive for CFI. I am also a trainer with them. They will train you for free. You don't need a terminal close to home just a place to park your rig.
With CFI, if they accept you, your CDL training is 3 week, then a couple of days orientation then out with a trainer for 21 days. We are dispatched as solo trucks, no team training. You do all the work. You learn on the job. Then you upgrade and get a truck. All of our trucks are no more than 3 years old. We are a growing company.
There are many companies who will train you with little or no out of pocket expenses.
I live about 170 miles from my nearest terminal. I have a Jeep and park it at the terminal. When I go on hometime, I go to the terminal and grab my Jeep and go. Also, if I have any maintenance issues I want looked at, I'll drop my truck in the shop before I go on hometime. It works for me, I'm don't have to worry about where to park a rig or its security while I'm home. But, I have a vehicle I can simply leave parked at the terminal while I'm out. If you don't have a vehicle you could do that with, perhaps have someone who could come pick you up and drop you off at the nearest terminal.
Just giving alternatives.