Saw this one in the Marketplace which was $98,500 and 4 MSD was $805 monthly after taxes and 3k DAS. With no MSD it was $839 after taxes but factor in service fee, then closer to $862 (dealer wants $860). Broker’s car is worth $2k less based on msrp but is $3k DAS vs $4k dealer. So I would say not too far off? But wondering how much I more I should try to negotiate.
Completely up to you to decide how much money to put down. If MF is low, put down less or even $0. Just remember you are also being taxed on the payment.