What are my chances of getting financed?

You do not have enough cash to put down and you do not have enough credit or cash reserves to pay for repairs. Go work as a company driver and net $85k, save up and then in a year start thinking about purchasing a truck

 

Also, might wanna get a DNA test, to make sure he is your real dad and that he does not want to revenge you for something you did

 

I hear good things about loan mountain but, like all else in life I hear negative too.. but I also hear good and bad about every dealer.

That will get you approved at loan mountain. But you need more start up money. Like registration / insurance down payment. Unless a company helps you out.

 

1. You don't have nearly enough money to start.
2. If your dad knows o/o can pull 130k why is he still being a company man for a mere 86? (86 is nothing to sneeze at).
3. Go make 86 like he does for a couple years. Be smart, financially. Save at least 50k cash in the bank, have any debts outside of a mortgage paid in full. That will give you the best chance to survive...

Mistakes people make that sink them fast:
1. Poor money management
2. Not enough start up money

Not saying any of this to be mean. Just the truth, as I see it.

 

This is the best advice you will ever get.

 

86 as a company driver sounds good to me.. Save all that for one year 2 is even better, buy a good used truck and trailer in cash

 

I made $170,000 last year and only worked 8 months, but IF I would've waited and had cash in hand to buy my truck, my trailer, my insurance all outright I would've kept a whole lot more.. best thing to do is wait and save your money... Buy all these things with cash in hand and then you can keep all that you earn. If something breaks then you will have the money to fix it