Jet STOVL light transport

For years jet VTOL light transports have been featured in science fiction films: Aliens, Contact, X-Men, others(?). With the advent of the F-35B, could it be that the technology to build a useful jet STOVL light transport is at hand? Imagine an aircraft powered by two Pratt & Whitney F135 engines with a cargo compartment between them, packaged in a stealthy airframe. This aircraft could take off conventionally from an airbase or road, which would allow it to lift a heavy load. It could then penetrate undetected deep into enemy airspace, perhaps at supersonic speeds, and then land vertically after half its fuel has been burned, making it much lighter. It could deposit a squad of soldiers, or maybe even a HMMWV, (or an Aston Martin, lol), and fly home again. It would allow commando raids into heavily defended airspace, or a general Air Cav assault, where a pokey V-22 would fear to go.
A civilian version could be a buisness jet to remote locations, or a fast way to avoid city and airport congestion.
Would it be too expensive to develop and produce? Or would it be worthwhile? Or would it be just so cool that it needs to be done?