Oh NYC, lemme make this easy for you. Contact @nyclife he’s a broker with an excellent track record on these forums. There are a couple other guys also, but he can help you and simplify your life and based on your questions I think he’ll be worth the price. He’s not going to get you a “hackr” deal on the XC60 but he handles everything and will, in all likelihood, find you the best tri-state price
Please see this post - Nyclife - good deals at a competitive rate
At the price your willing to pay for the car he’s worth the equivalent of $6.95 a month for 36 months to take care of this headache for you.