you should go ahead and get your ducks in a row RSXT with your bank to see what they will pre-approve you for on a recreation vehicle loan (that is what motorcycles fall under I beleive, ask them). You will def open youself up a lot more opportunites to purchase a bike you want and are happy with the price. When you get a good deal on a bike you never question yourself on the purchase. I know too many people who are upside down on their bikes and that is NOT good.