Highlander LE Plus Deal - Florida

Looking to get into a 2019 Highlander LE Plus in central FL. Got the following from a dealer that’s little further away so trying to see if any closer to home can match or better. Anyone see anywhere I can improve? AWD or FWD works

Highlander LE Plus AWD

MSRP $39,608
Dealer Discount $6,487
Selling price $33,121
36 months
Residual (67%) $26,537

Due at signing $3,000

  • First Month’s Payment $260
  • Capitalized Cost Reduction $1,403
  • Estimated Registration & Fees $1,164
  • Sales Tax $173

Monthly $259.57

It’s a good deal but don’t put the money down. Use it as multiple security deposits instead.

Yeah I asked him to quote me with MSDs. I’ll see what he gets back to me with.

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The dealer is unfamiliar with MSDs. He said he’d look into it though. Got back to me and said it’s not something Toyota typically does. I know that’s not the case, but is it possible SETF doesn’t do MSDs? More likely they - the dealership - don’t do it and don’t want to figure it out.

Is it worth pursuing? 9 MSDs are the max correct? It’s still seems a decent deal for FL.