I don't see the problem with financing one. The used market for motorcycles sucks right now. I don't know if it's always been that way, but used bikes nearly cost the same as used bikes minus some of those dealer fees. People are even asking outrageous prices for older bikes. I'd rather just get new at that point and have a warranty and know that I'm not inheriting someone else's problems.
For under 7k, cruisers is the Vulcan S, which is a bigger 650 style cruiser, or a Kawasaki Eliminator which is 450 cc but significantly lighter. In terms of sports bikes, there's stuff like the Ninja 500 or z500. I'd probably just go up a g so you can get something like a z650.
Before you buy anything though, go to the dealership and sit on several bikes and see which one is comfortable to you. If you'renot comfortable, you're not going to want to ride. Typically, something like a naked or sports tourer will be the most comfortable, then cruisers, and sports bikes are usually among the least comfortable with their leaned forward seating position.
Congrats on the bike, most of all THE GEAR, so happy to see it. I work in the powersports industry and gear is so overlooked by riders. Seen far to many accidents........
