I would discourage the F1A. The D1SC would be easier to tune out. The only person I know of running an F1A on his cobra on the street has a full F.A.S.T fuel management system on the car. I don't think that is something you want to get into so I would suggest the D1SC.
For all you are going to have in this car, an 03 really would be cheaper. If all you are concerned about is the payment, find an 03 from one of the guys here on the board. I think you will be able to pick one up for roughly 24K because some have sold for less. Put down your 7K cash and you will get a good interest rate because you (and the lender) will have a strong equity position in the collateral (car). At 5% interest on a 5 year loan for the $17K difference, your monthly payments would be $318.
Let me know if you have any more questions about your financing; I would be happy to help.
For all you are going to have in this car, an 03 really would be cheaper. If all you are concerned about is the payment, find an 03 from one of the guys here on the board. I think you will be able to pick one up for roughly 24K because some have sold for less. Put down your 7K cash and you will get a good interest rate because you (and the lender) will have a strong equity position in the collateral (car). At 5% interest on a 5 year loan for the $17K difference, your monthly payments would be $318.
Let me know if you have any more questions about your financing; I would be happy to help.