My favorite balloon program right now is on a 2022 Ram TRX. It already offers a tremendous amount of positive equity, when purchasing from a forum vendor, but if you are looking to hold onto one of these, and not just immediately flip, the MRM offered by AFG, for a base TRX, is just under $92K. Where-as, it’s possible to purchase this vehicle OTD for $69K.
That would put a 24mo payment in mid $500’s.