Realistically, an 07 rx350 or 400h or a limited 4 runner.

I'm getting rid of the expedition and downsizing to a nicer better gas mileage suv.

This should hopefully be by the end of year. Just waiting to refi so I don't ding my credit.

Having a car payment is going to suck.
Car 38k-20k down = 18k/48mos = 400/ month@5%. bleh.