I'll second the skid loader comments. When it comes to supplimental income eg custom work my 1856C Case has made me hands down more money than anything else. A small tractor with a small mower is ok, but really mowing is it. I do some mowing work but, for me, I cant make what I need to make running less than a 15 foot mower on 86 to 110 hp.
As to insurance, I'll second everything thats been said. You just cant have enough. Personally, I've only had 3 liability claims, two for worker injuries which were less than a thousand dollars each. One was bad, guys working for me dug up a telephone cable. It was marked, they just took a stoopid pill that day or something. Cost my ins company 28 grand. A pretty good package with 4.5M of liability coverage, farm owners property and casualty, environmental, equine boarding, inland marine, and utility damages runs me a shade under 5 grand a year. So, it takes a certain volume to cover your fixed costs.
As to powerplants. The cheapest tractor I've ever owned was a 560 Long I bought at a sale. Second cheapest was a 1210 Case David Brown. But, the most expensive was a 1410 Case David Brown.
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Today's Featured Article - 12-Volt Conversions for 4-Cylinder Ford 2000 & 4000 Tractors - by Tommy Duvall. After two summers of having to park my old 1964 model 4000 gas 4 cyl. on a hill just in case the 6 volt system, for whatever reason, would not crank her, I decided to try the 12 volt conversion. After some research of convert or not, I decided to go ahead, the main reason being that this tractor was a working tractor, not a show tractor (yet). I did keep everything I replaced for the day I do want to restore her to showroom condition.
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