There are two things I've learned about purchasing from an individual seller that may benefit you. First, have a professional RV inspector come and take a close look at the rig. I didn't know there was such a thing and I paid big dollars for a motorhome with a rotten roof and rotten walls. I've spent over $10k restoring it just to be safe in it.
Second, don't finance your rig. Aside from the purchase price, there are ongoing expenses to owning an RV. My cousin owns a boat and says the word "BOAT" stands for "Bring out another thousand!" and that applies to RVs as well. Additionally, the depreciation on an RV is dramatic. As soon as you purchase it, you begin losing value. Soon, like me, you'll have an RV that is practically worthless and you'll still be making payments.
If you must, I recommend starting smaller, with something you can pay cash for. Start where you are and you can always grow, but get in upside down and you'll be buying added stress with your RV.
