Since it is just a few years old and out of warranty why don't they certify it? If you don't get a warranty and something breaks you will be in the scenario you mentioned you wanted to avoid (stranded) with repair liabilities. I would negotiate hard even lower than their price, besides us using them as TV's I don't see a strong market for used HD passenger vans (but I could be wrong) plus this has high mileage for the year (50K in 2 years) and no warranty. To their credit I was looking on autotrader.com and that one was the cheapest van in that year range though.
Its only got one day left and is at 5K so even though it isn't at reserve I doubt that it will get up to 14K yet it is still in bumper to bumper and the extended powertrain warranty. And it is located in FL (where many of the HD vans are) and at a dealership and its a conversion. Also the factory and aftermarket warranties are much cheaper to be bought when the vehicls is still under factory warranty. I have gotten real steals from sellers when they don't reach reserve, it's like a reality check to them on values and if they are motivated you can bargain afterwards and save some real $$$.
This one is also newer and has really low miles but hasn't reached reserve at 15K but it also is under warranty 3/36 bumper to bumper and the 100K powertrain warranty. It is more (call for buy it now price) but if you going to spend 2K-3K for an (decent) extended warranty on the one you just mentioned you better off spending that much more on the purchase price of the van and getting a newer one WITH a factory warranty plus this one is a conversion and also in FL.
I can't get into a van because of financing. Banks will not "auto loan" lend on 10 or more passenger vehicle, conversion van or other work or recreational style vehicle. I can get an "auto loan" on a 1/2 or 3/4 ton truck. The only lending option I have for a van is a commercial loan. Based what every one around me says about availability of commercial loans, I'm not going to bother applying to get a van.
I'm going for a truck.
My current options guided by cost effectiveness and parameters of collateral for auto loans are limited down to these vehicles:
2005 Dodge RAM 2500 5.9 Diesel Quad Cab, 125k miles
2006 Silverado 1500HD 6.0 Gas Crew Cab, 115k miles
2003 Silverado 2500HD Duramax Crew Cab, 111k miles
Deciding factors for me are passenger space (Crew is bigger than Quad) and bed length (Chevy wins with 6' 6" bed over Dodge 6' 3" bed) with over riding factor of price + finance cost making the final decision.
I'm playing out the 2003 Silverado 2500HD cause I can get it at true whole sale price from a whole sale auto guy, but not sure about financing because of it's year. If that does not work it's the 1500HD which is stickering for $14,800 or the Dodge for $16,000 BUT I know both will come down in price.
And that's that. I may get into one of these three vehicles this week OR I sit and wait for something else to pop up with in my buying limitations.
BTW... try talking to a lender and say "Hey I'm a one man band just like the guy from Mary Poppins except on steroids. Look at my credit, I own a house that's worth 1/2 of what I owe, pay all my bills on time but on paper look like I'm up to my ears in debt. I wanna borrow $15K for a truck which I'll put a pile of miles on in a short time and just in case I miss a payment, you won't be able to find me, I'll be on the road breaking your rule of not using a personal auto loan vehicle for commercial work".