The dealer should definitely make a profit. But you seem bitten by the I'm going to buy a car, some car, any car, right now bug which I know too well personally. KBB says that's a $14k car. 6.25% sales tax, Texas rate, $875. Title, plates, doc fee, transfer fee, bs fee, other bs fee $625. That's $1500 so $15,500 OTD. You said a huge $10k down. That works out at 7% to about $117 a month for 60 months, not $186. You are heck bent to go buy something and they are taking you to the cleaners.