I own a truck, but no one is financing me a reefer trailer.

I bought the truck cash and went personal finance on the trailer, because of the 'new business ' credit problem.

This is where a personal bank relationship built over 10 years , and an 800+ credit score came in handy.

Tried peer to peer lending sites?

 

You don't own the truck, you lease it and this is a mitigating factor.

 

Why do you need a 760k home? sell that house buy a 350k home, plenty of working capital

 

Arrow Truck Sales sells reefer trailers and might finance you. A lot of '07-'08 models with new engines to go to Cali with.

 

A bank relationship might not help right now....but the sooner you start....the better. I'd find a decent smaller bank and go with them.
I use a small town credit union. It's nice because they don't have to play by the same exact rules as the big banks here in Canada...and are more of a person to person banking.
Not sure how banking works down there but if you can find something like that...it definately helps a lot. You're not just a number in a computer to them.

 

Try lyons truck and trailer in indianapolis.they financed my 2015 stepdeck:10k down plus i traded in my 1995 trailer for another 8k.i had a repossesion on my credit plus few collections.balance owed(21k) will be paid over three years and im gonna end up paying 29k.

 

Also try diamond motorz trailer sale and leasing,they have few locations.