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I used to work for the local Ford dealership in town. I quit, joined the military, and was wounded oveseas. The owner worked a deal with Ford to get an extra allocation and the X Plan for me.
I got xplan on my gen1 because my employer buys ALOT of ford fleet vehicles. Ford doesn't endorse it on then svt models but the dealer can honor that pricing, which is invoice plus a couple hundred for paper fee.
Makes sense those who worked for ford or have employer leverage can do better than msrp, but for a first time buyer msrp is as good as it'll be for awhile.
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