Remember asking and selling prices are not always the same thing,in fact they rarely are. Also much of the time those asking prices are based upon the seller being upside down on a loan and they may be seeking payoff as once you add in fees, interest, etc. much of the money going out the first couple of years on a 15+ year loan is just treading water and putting you back at where you thought you were when you started the whole process. For example when you are taking that initial MSRP and subtracting 30-35% to get out the door cost, are you then adding back in sales tax, registration cost, and all those other things people tend to roll into a loan.