Jack and Cindy
Many of the 4-runners "99 and above" with a factory installed hitch also have a built in transmission cooler which is part of the engine radiator. You will have to get under and look for the fluid lines that go from the radiator to the transmission. It is more than adequate to keep the transmission cool.
If you see a small radiator in front of the engine radiator "4X6"", than it will not be adequate to cool the transmission.
I have a factory hitch in my 99 4-runner... but someone who knows about all the 4-runners through the years may have a different opinion.
I saw Bills post after posting mine and he is correct. The largest v6 or a v8 only. The factory hitch should be a class 3 hitch.
The toyota 4-runners are very stable towing the TM. I tow a 3124KS and the drawbacks are the climb up 7% grades and coming down the 7% grades with the thin rotored brakes.
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