Apologies for the massively late response… kinda went inactive on this forum after getting discouraged with the Charger search, but wanted to provide some closure now that I’m back again.
In case anyone was wondering, I ended up buying a 2015 Hyundai Genesis 5.0 for $23,900. Was a one-owner, clean Carfax, 36k miles, and had what I was looking for (midsize sedan with v8). Totally different direction, but payment made way more sense, not to mention the slight gas and insurance savings.
Thanks again for the advice along the way! Love this forum.