Pretty bad… just hire a broker at this point.
I’m shocked you are even entertaining this, no less didn’t just walk out based on all the dealer gimmicks like the bloated MF, required tint, and BS about MSD. You obviously told the rep you need to be below $400 and made that happen but maximized their profits. Although not recommended, you can always put more money down to drop the payment so negotiate it like you are doing zero off. Is the trade-in value offered similar to what Carvana, etc have offered? Selling it separately simplifies the transaction.
Also, they are not just “throwing in” AudiCare for free, rather it works out to be a few hundred bucks as it increases the residual value.
As a frame of reference, this guy just got a $60K SQ5 for cheaper than you taking into account the $10K you are essentially putting down.