To take all of your 40k and buy a Sprinter, and then have zero in the bank? That's the classic mistake that far too many getting into this business have made, and all of them paid dearly for it. No matter what, you want a minimum of five thousand in the bank when you start, and that's after you've completely outfitted the van for both hauling freight and for living in it. You can do that if you take your 40k and buy a 30k Sprinter, put five grand in the bank, and use the other five grand to outfit the van and for the first few weeks of operating and living expenses. The worse mistake people make when getting into this business is getting into it without enough money in reserve.
I paid $5000 cash for a cargo van, put another $5000 into if for maintenance to get it ready for the road, and for outfitting it. Drove the van for a while and saved up and put about 75% down on a Sprinter, then had it paid off in a year or so. By then I (sorta) knew what I was doing, how I wanted to outfit the van, and knew where my money was going.
I paid $5000 cash for a cargo van, put another $5000 into if for maintenance to get it ready for the road, and for outfitting it. Drove the van for a while and saved up and put about 75% down on a Sprinter, then had it paid off in a year or so. By then I (sorta) knew what I was doing, how I wanted to outfit the van, and knew where my money was going.