While you "could" likely find an N-series tractor with loader within your price range, you also need to understand that these older machines need lots of TLC. IF you can find one that has been completely overhauled, it might likely be reliable. Then again, it might not.
These older tractors have survived mostly because they cost less than new and because they are fairly easy to work on.
If your budget is $3,000, and as you're needing it for commercial purposes, I'd HIGHLY recommend saving the headaches and hiring the job done -- provided you have been happy with local snow removal services.
Lastly, I used to have a JD 4010 with front loader and 3-pt 2-stage snow blower. I'm now using a 2001 1/2-ton Dodge extended cab 4x4 with Western poly plow. If it meant going back to the 4010 for snow removal, you couldn't give it back to me! I'll never go back to a tractor, especially one without a cab!
Keep in mind that I live WAY in the boonies, and I have lots of area to pile snow. The pickup simply starts easier in cold weather than any tractor I've had, and I have full comfort. Is also very windy here. For when it's not windy, I'd love to have a small tractor (such as an N) to putz around with at my leisure, but definitely not if other folks will be relying on me to get the job done with it.
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Today's Featured Article - Product Review: Black Tire Paint - by Staff. I have been fortunate in that two of my tractors have had rear tires that were in great shape when I bought the tractor. My model "H" even had the old style fronts with plenty of tread. My "L" fronts were mismatched Sears Guardsman snow tires, which I promptly tossed. Well, although these tires were in good shape as far as tread was concerned, they looked real sad. All were flat, but new tubes fixed that. In addition to years and years of scuffing and fading, they had paint splattered on
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