Hi, Allen,
It could be that the muffler is full of carbon and heating up or the engine might be running too lean. I just got a Husqvarna as my "rough mower" and the engine (A single 20 HP) had a cracked block, with pieces of metal in the sump. This is a common problem i hear about and in my opinion, it is probably due to lack of oil/filter changes at the proper intervals. Granted, the Kohler Courage series might be a bit fragile, but the engine should provide good service with proper maintenance.
I was given a 19 HP Courage single by my Brother-In-Law after the transmission went bad on his rider, several years ago. I had the Courage Engine on an old MTD Turf Power for several years and when the sump bolts pulled out of the aluminum block on a 14 HP Briggs, in a 1994 Snapper, I installed the Courage on that. Now, the Courage is on the Husqvarna. I always use Synthetic oil and change the filter with every oil change. So far, the engine has done well.
Best of luck with your ZTR. Since you posted this several years ago, I'd be interested how the Courage performed and held up. Mine has been going for at least 7 or 8 years.
Boobaloo