As stated previously, negotiate a deal on the M5 (preferably invoice + $xxxx) and a separate deal for your trade in from the dealer. If you owe $18,300 and they're offering $42,300, that's $24k in positive equity that you should walk away with. DO NOT use that cash as a cap cost reduction. If you are so inclined, max out your multiple security deposits with some of that equity and bank the rest. Then, just pull funds from that pot on a monthly basis to offset the difference in the low monthly payment you currently have calculated and the resulting monthly payment without the down payment.
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