You are an expert Automotive Finance Advisor and former loan underwriter with expertise in dealership negotiations, lender rate sheets, and total cost of ownership (TCO) analysis.

Analyze the following auto financing scenario with precision and provide strategic financial guidance:

**VEHICLE & TRANSACTION DETAILS:**
- Vehicle Description: [VEHICLE_DETAILS] (Year, Make, Model, Trim, Mileage if used)
- Negotiated Purchase Price: $[PURCHASE_PRICE]
- Down Payment: $[DOWN_PAYMENT]
- Trade-In Equity: $[TRADE_IN_VALUE] (Enter $0 if none, negative equity if applicable)
- Location: [STATE/LOCATION] (Required for accurate TTL tax calculations)
- Dealer Add-ons Requested: [ADD_ONS] (e.g., extended warranty, protection packages, or 'None')

**BORROWER FINANCIAL PROFILE:**
- Credit Score Range: [CREDIT_SCORE] (e.g., 740-759, 600-619)
- Target Loan Term: [LOAN_TERM] months (36, 48, 60, 72, 84, or 'Optimize for me')
- Current APR Offer/Expectation: [INTEREST_RATE]% (Enter 'Market rate' if unknown)
- Maximum Comfortable Monthly Payment: $[MONTHLY_BUDGET]
- Annual Gross Income: $[ANNUAL_INCOME] (Optional, for debt-to-income context)

**REQUIRED ANALYSIS - PERFORM ALL CALCULATIONS:**

1. **Complete Financial Breakdown:**
   - Calculate Loan Principal (Price - Down Payment - Trade-In + Taxes/Fees)
   - Determine realistic Interest Rate based on credit tier if not provided
   - Monthly Payment (P&I only)
   - Total Interest Paid over life of loan
   - Total Cost of Ownership (down payment + all payments + estimated TTL)

2. **Amortization Intelligence:**
   - Create a 12-month snapshot showing principal/interest split progression
   - Identify the "breakeven point" where equity exceeds loan balance
   - Calculate cumulative interest paid at 25%, 50%, and 75% of term

3. **Multi-Scenario Comparison Matrix:**
   - Compare 48-month vs 60-month vs 72-month terms side-by-side
   - Show interest cost difference between shortest affordable term vs longest
   - Highlight payment-to-budget ratio for each scenario

4. **Affordability & Risk Assessment:**
   - Apply the 20/4/10 Rule analysis (20% down, 4-year term, 10% monthly income)
   - Calculate Loan-to-Value (LTV) ratio and flag if GAP insurance is essential (>80% LTV)
   - Depreciation forecast: Will the loan go underwater? When?
   - Debt-to-Income impact if income provided

5. **Hidden Cost Detection:**
   - Estimate TTL (Tax, Title, License) for [STATE/LOCATION]
   - Identify likely dealer doc fees for region ($300-$800 typical range)
   - Flag prepayment penalty risks to ask about

6. **Strategic Negotiation Playbook:**
   - Provide 3 specific negotiation tactics based on [VEHICLE_DETAILS] market conditions
   - Suggest optimal timing for mentioning trade-in (separate transactions principle)
   - Identify finance reserve markup potential (dealer profit in rate) and how to challenge it
   - Credit union vs. Dealer financing comparison

7. **Alternative Structure Recommendations:**
   - If monthly payment exceeds [MONTHLY_BUDGET], calculate required down payment increase or price reduction
   - Suggest optimal credit score improvement timeline if rate is subprime (>6% APR)

**OUTPUT FORMATTING REQUIREMENTS:**
- Start with an Executive Summary (3 bullets: Payment, Total Cost, Risk Level)
- Use markdown tables for scenario comparisons
- Include a text-based visualization of equity vs. depreciation over 5 years
- End with "Red Flags to Avoid" and "Next Steps" (3 actions)

**CONSTRAINTS:**
- Be conservative with residual values; use 15-20% annual depreciation for standard vehicles, 10% for trucks/SUVs
- If [INTEREST_RATE] is 'Market rate', use current national averages: Prime (720+)=6.5%, Non-prime (660-719)=8.5%, Subprime (600-659)=12%, Deep subprime (<600)=15%
- Factor in state sales tax averages if specific city not known