Great analysis shik!!
I think you may have tipped the scales in your favor a bit by using the 4x4 loaded rav4 but very thorough none the less
Also you taught me something. The electric vehicle incentive starts to taper off from 7500 dollars if you make more than 55k jointly? Really ? Do I understand that correctly? Does it go to zero at a certain income level?
Since you are a physician without telling us how much you make since it is none of our business how much of that incentive can you expect?