Wow, thanks for all of the input guys...seems everyone syas to go small and work your way up. And especially to go used. We went up to george twon to look/buy a busa...had an 06 LE still in the crate. I sat on a black one and liked it. We haggled around and would only loan "me" 5000 through suzuki (just after I finished paying of my 25,000 car 2.6 years early too...apparently I cant pay off $10,000 with practicly no debt and 2000 a month gross income ) . With my dads cosign it approved full loan but we specifically told them we wanted to keep it around $200 a month and they said that there shouldnt be a problem. Come back and they want 267 a month! 10.9% intrest and my dad has TOP of the line credit (over 800)! SO they say that with suzuki thats the best we are going to get because you dont have to have full coverage insurance. So we decided to walk out...because we also specifically told them to give us the BEST deal they could with the payment around $200. So then they start saying stuff about how they can get around 7% with a lender but I would need full coverage. Anyways we left . After EVERYTHING (TTL, destination, ect) bike came out to 12,300 (10,700 for bike alone). Then I get home and find one (SAME thing) with ALL fees included for $9600 but just in a different state. Freegin guys trying to rip me off....and besides I just got a quote from progressive and the cheapest I could get it per month was like $409! For a 2001 I can get it for $138 a month...and its THE SAME freegin bike. If I buy one its going to be used, unless I can get liability for around a $100 per month. And how its looking now I may just scratch the idea all togethor like suggested, as it is a BIG bike....would be hard to handle for a newb like me.