As I mentioned earlier, it’s being used by my business, so it’s a tax write off. I’ll refinance as soon as rates come back down. I’m not recommending you do as I did. Just providing information.
Actually the $30k down payment is only a suggestion. I just bought my R1S in December and did zero down. You can choose your down payment level. The more you put down the better your rate. Also, the bank they partner with is Chase. They offer very competitive rates.