Not really. I am now running a map where i want to reach the train fever steam achievment (use only trains until 2000). I started it with the max loan of 10 million, turned my first profitable year in 1853, was out of debt in 1857, reached the 100 million mark before 1900 and reaching an income of 100 million daily by 1950 by only moving passengers by train.
How you build the initial railroads however is important. connect 4 or 5 towns with 2 railways, put enough trains on the line to reach an interval between trains of approx. 5-6 minutes and give every train 8 to 10 cars. Any more and those early locs won’t be able to pull the train up a hill, any less and the trains will fail to become/remain profitable