Have an 06 Java Black HSE 34K , warranty until 9/10. I owe $37,000. They are willing to pay me $32,000. However they are willing to give me $5,000 off MSRP on the HSE. It is a White, Almond Lux , Sirrius, Digi Radio , and Type 2 Stormer Wheels. What's odd, LR states the stormer wheel option is a $2500 upgrade on the site. They are showing it on the window sticker as $1000 ... so don't know if that makes the deal any better. I am going to drive it now. My credit union is doing 6 years at 3.25% which seems good as well. I can only get a loan through them b/c my income on paper is horrible. I own a business and have been taking as little as possible and paying myself back the loan I made to myself to start the company. So, they payroll deduct and really know what my 1099 is. They said they would also do 5K off sticker for a straight buy as well. I am wondering if I should wait it out and see how huch I could sell my 06' for. Seems that a lot are for sale right now. Any input?