At the risk of being repetitive, why are you putting $3k down? Is that a cap cost reduction or is it a combo of other up front costs? If it's a cap cost reduction, it is my opinion that you're wasting your money because all you're doing is artificially lowering your monthly by about $90/month and paying it up front.

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You have your way. I have my way. As for the right way, the correct way, and the only way, it does not exist.