You can eliminate the mower and rake if you purchase a pull type swather. A swather will cut, crimp and windrow the hay in one pass. But seriously, it is going to take you years to pay for all the equipment you need from what earnings twenty acres will provide. You can grow the hay, irrigate and maintain fences if necessary, and get a neighbor to put it up on shares. Sell your share and probably put more money in your pocket at the end of the season considering the cost of the equipment, interest, fuel, oil, grease, and repairs. When replanting time comes you can even get that done on shares of the first crop. My father was a farmer and when asked what he would do with a million dollars, replied "I guess I'd keep on farmin' till it was gone".