maintenance is a little bit difficult on ducati's, special tools are required no matter what and arent cheap even on ebay. valve adjustment is the most difficult and can cost upwards of $600 alone by a shop, rockers are another problem, are known to flake and have to be changed. check your oil screen every oil change, when buying a ducati 748 916 996 ask to check the oil screen when buying. maintenance is a must for ducati's or you will pay the price literally in the future. my suggestion is if money is an issue, especially when maintenance is concerned, and reliability is needed and you want a good riding bike that needs little maintenance, i suggest a cbr 600 f2 or f3, parts are cheap, and easy to find and the bike is easy to work on and very reliable even with high mileage, is also very forgiving when riding. if you specifically want a ducati then go for it. i recommend an f2 or f3 for people looking for a good bike and that are new to riding or not ready for a liter bike.
if you get a ducati, make sure you see maintenance records for service work, avoid bikes with high mileage 15,000 or greater, 20,000 mile service is about $1500 or more. no records, price drops dramatically, have to assume service needs to be done and immediately needs doing dont take his work for service work. 748 base models go $4000 - $4500 in great shape, can find some for 3k now and then, dont be afraid to low ball the guy selling, all he can say is no and make a counter offer, some times he may go for it almost always pay less than asking price. see 996 models for 5k-6k all the time some times even less.