Like I said, it usually works 9 out of 10 times in my favor but for the times it doesn't, it's not that big of a deal. It's a much better method than some % of income crap.... Gallardo prices have slightly risen since last year, I was going to scoop one up myself but came to the realization it would be a pointless purchase as the performance of that car is out dated and much better buys for that money.
Also if you're having to contemplate a purchase for 27k, like the car listed maybe you shouldn't purchase it.............