if you can get a KZN185 (3rd gen surf) for 10k you will be set, intercooled if you can. although the intercoolers from the 3rd gens can be rangi'ed onto the older ones with no issues. surfs generally have better offroad performance over terranos but a less reliable engine (if not maintained)
for a surf, look for a 3L (2.8D) or 1KZ-TE (3.0l TD) and avoid the 2LT-TE engine (2.4T) automatics are not bad on them. manuals will need a rebuild eventually. as mentioned above, go for a 3rd gen if it is intercooled.
with terranos look under the rear seats, as thats the killer rust area. TD27 and QD32 engines are both damn near bullet proof, just let down by glass gearboxes, although i cant remember what ones break if you fart near them.
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