$45000 - $6000 rebates (based on my zipcode - 23047) and go get a credit union loan for 6 years at 5%
You also need to consider how the transportation will work. Your probably looking at $2000 to haul it east. Or you could jump on the Amtrak Cardinal and Empire Builder and tour the great white north to Seattle and drive home.
I've actually been checking out the loans, and it is cheaper to finance more at 0% than to take the $6000 rebate. Funny how that works. Unless I can get a really low interest rate loan, like 4%.
I've decided to fly out there and drive it back. I have Spring Break from March 27-April 4. This all assumes they agree to a significant price reduction. I called a couple days ago, talked to a different sales guy, and he was saying MAYBE $2000 off retail was the lowest they'd go. If that's the case, no deal for me and probably never selling the truck for them.
Oh, I found out it was built June 3, 2009, and has been on their lot since June 18, 20009.
I am considering sending an email to the original salesperson I spoke with, who called me twice a day and sent emails (called and emailed even Christmas Day!) and explaining the situation and why I think $45000 is a fair price. Then again, maybe just send an email saying "This is what I'm willing to pay. When you decide this is in your best interest instead of losing money on your monthly payments to Ford for the truck and then more when you sell it later, let me know".
Thanks again for all your help!