This isn't going to be a popular position, but I'm gonna say it anyways:
If you can't afford to BUY the vehicle and own it cash-out, then you simply can't afford the vehicle.
I'd suggest looking for a 3-4 year-old vehicle, a lease-return. Something used, but in good condition and low mileage. You can probably get a good 5-6 years out of it with minimal maintainance and upkeep.
No, it's not exciting & new, but you'll be dollars ahead and in a stronger position when it comes time to buy a home.
Dare to be dull...
