The OP mentioned that it would take him a whopping 3 months to get a nice ship. To me, that's a WAY too short of a period in which to get a nice ship. I've played many, many MMO type of games. WoW took a year of grinding to get a good set of gear when it first game out. AC took 3 or 4 years. These days everyone thinks the best of the best should be theirs instantly upon login. That's not how this game is designed, and to be honest, it's way too easy as it sits today, even with the rare "nerf".
Day 1: 4t cargo hold, 500cr per ton (which is terribly low), 4000cr per round trip. 15 trips = 60,000cr = Hauler + capital. Each run should take 15 minutes average, so about 4 hours to a cargo ship.
Day 2: 20t cargo hold. Same runs, same profit. 20,000cr per round trip. 20 trips = 400,000cr = Cobra + capital. 15 min average trip time. so 5 hours to a cobra with 24t cargo hold.
Day 3: Repeat day 2 with 24t, 20 runs @800/ton since you now know how. (this is still pitifully low) = 38,400cr per round trip, or 384,000 for 10 runs, upgrade to 32t and run another 512,000cr in the next 10 runs.
At the start of the 4th day you should have about 1,300,000cr and be driving a cobra with 32t of cargo space.
Let's assume at this point you find out about rares. You decide to drop a mil on upgrading your cobra, and spend a 100kcr on your first 32 tons of rares. You'll make 16,000cr per ton on average each way, and one way takes about 1.5 hours. You make a round trip and make a 1,000,000cr. Do this twice a day for 7 days, and you're driving an Asp.
So, from what I can figure out, in 10 days, you should be at least driving a base model Asp. At 80t and 4 hour round trip rare runs, you'll make around 1 mil each way even if you don't fill up, so 2 mil a day if you make 1 run. You should be in a base Anaconda in 75 days played, and this is assuming you don't go with a Type 6, supplement your trading with standard goods, collect on missions, bounties, or come across trading runs at 1,500cr per ton, which is very possible. It also only accounts for 4 hours a day.
How is this too slow again?