Wow, lot going there. Lot of assumptions/projections being made that I do hope work out for you but just one question:
How did you get 349/mo including 8.75% tax with 12k/yr when its advertised at 399 with 10k/yr BEFORE tax and including a loyalty rebate you didn't get? What was your msrp? What was your refundable/non-refundable down payment? PM me about your low risk 7%