re: What year model would be your cutoff for a 4-Runner?

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Need a decent looking beater that will last a couple years without having to throw a ton of money at it for keep up.

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1) older '01 or '02 with around 200k. Benefit of that is I can pay cash and no note

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As long as its had the timing belt/water pumped replaced fairly recently you should be golden for even more than a couple years. The other great thing about these is they are so stupid simple to work on for basic things, especially with how complicated new cars are these days

CAD can definitely help you out here