is it possible to ake out a 20yr mortage on this? I want one!!
That would be very unwise, judging from the way receivers have aged in the past. Very probably, in 5 years, something better will come out, and then you will not be happy with a long loan for the old, outdated thing. If you doubt this, just take a look at the market value of the flagship receiver from Yamaha (or anyone else) from 5 years ago; you can check such things by looking at sales made on eBay.
For most people, buying a much less expensive model, such as the RX-V3800, would be a much wiser choice. Or, even more realistically, the RX-V663. The RX-V663 can do things that the 5 year old flagship receiver cannot do. Just check for yourself if you have any doubts about this. And, realistically, the near perfect performance of the flagship isn't likely to result in a performance advantage that you will actually hear. I went from a Yamaha RX-V730 to a Yamaha RX-V2700. Although a difference can be measured, they sound the same, unless one is using a processing mode not available on the other, or one requires the additional power. This is comparing an old $600 receiver with a fairly new $1700 one. I bought the newer one for features, and in that way, it is vastly better. But, even with my good speakers with quality ribbon tweeters, they sound the same.
Basically, a flagship receiver is only a good choice for people for whom the purchase price is not a big deal. Otherwise, it is almost certainly a mistake to buy one. If you need great video processing, a separate processor, or, if one only needs it for DVDs, an Oppo DV-983H DVD player is a much more sensible option. That way, one can replace the receiver in a couple of years, and keep the processor, when new sound formats or capabilities come out. And with the money saved just from stepping down to the RX-V3800 (as opposed to the RX-Z11), one can get an incredible video processor. Or, amplification for low impedances, if one needs more power than the RX-V3800.