I was able to get this deal after reading some great posts from: @derekoh1991, @Cody_Carter, @RVguy, @mllcb42 and other awesome members.
I was initially looking to hack a SUV but when I saw the ridiculous residual numbers on this model it was a no brainer.
Year, Make, Model, Trim: 2020 Toyota Tacoma SR Double-Cab 4x4 V6
MSRP: $33,683
Selling Price: $29,957
Monthly Payment: $98.00 plus tax (7%)= $105
Drive-Off Amount: $105.00
Months: 24
Annual Mileage: 10,000
MF: .00110
Residual: 85%
Incentives: $1,500
Region: Tennessee
Leasehackr Score: 27.6 Years? (could not get the numbers to exactly match through the calculator for some reason).
Thank you. You are correct USB has a minimum finance charge of $2500. That is why I could not go any lower than that in terms of negotiations. I put the total cost of monthly payments a hair above $2500…$2520. That was enough to get the deal financed