Some unsolicited advice from this old fart.......
For the sake of your children, find another way to earn a living. They need a father at home more than you realize.
The truck in and of by itself can be over come by someone who knows the expedite industry.
The issue is lack of knowledge on how the business works. Relying on Sylectus isn't going to cut it.
Just this last paragraph tells me you are on the path to bankruptcy.
For starters,
1. Learn the business before worrying about a truck. Go drive for a fleet owner for a while