Welcome! Sounds like you've got a great project to look forward to.

To the op I know what you mean when you state it sucks going from no payment to a payment for 4-5 years. I had our 05 gt paid off exactly 5 months to the day we bought it offf the showroom floor. I kept it for 4 years and 7800 k's and traded for the 09 gt500 and a 400ish dollar a month payment. We paid that one off in 25 months and you guessed it I just got rid of it with 3900 k's. The only bonus with this transaction is I walked out with a brand new car and zero for a payment. For the first time (in the future) when I do get another Mustang it will be a super low mileage but used car.