Thank you to @28firefighter for mentioning Heuberger.
The AutoNation deal was poor, as I figured.
Colorado registration is the responsibility of the end consumer, and likely delayed at least a few months because of COVID.
I reached out to Heuberger and another dealer. Both were smarter, and able to run the numbers transparently (mostly) and without a finance manager.
Schomp got me here [calculator link], marking up the MF to 0.0012 but offering a $0 dealer fee and no crap, with drive-off at just first month + the filing fee. This comes to $431 DAS and $431/mo.
Heuberger then sent me this quote. They were slightly off on taxes, but looks to be at the correct 0.0007 MF. They do charge a dealer fee, but the quote includes a discount line item that equals the dealer fee. And, I do not understand the inclusion of the -$432 cap cost reduction line item, which gets DAS to $500 and monthly payment to $411.
It seems to me that if the other dealer would avoid marking up their MF, they would come in at just exactly $400/mo, which is my goal and what I would consider the ideal deal. I worked that up here.
There is a difference of a few hundred dollars MSRP because of packages, but I think I am closer. Would my hypothetical be a good deal? Is this the time to start playing the two against each other to get to $400?