Credit score 757, income same as OP. Less living expenses on east coast
VB. Bought at 17k mile 2012 sport at the end of '16 for $21.5 which I think was private party excellent condition at the time & mine certainly qualified as excellent. No imperfections save the beginnings of cracking on my Amuse wing. Came with full amuse kit, ark, nismo Cai, Z1 oil cooler and an uprev tune was told approx 322hp but don't have the paperwork for that part.
Hope this helps give some insight to OP. I put $6k down & financed through a credit union which put my interest at 3%. IDK what the set up is with your payments or if this is common but with Navy Fed, if I overpay by I a full payment it pushes my due date out a month.. so I'm currently sitting at like a $278 payment without another payment due till October and I bet I'm getting a pretty comparable experience to you when it comes to enjoying a small piece of Z history
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