Dave, I don't know if he is or isn't selling under 'invoice'. I also don't know if the tractor world is like the auto world and 'invoice' has nothing to do with the dealers actual cost. I have been to Bill's Tractors, from San Antonio, site. They advertise a down payment, monthly payment and terms on a 2615 with FEL. It is not hard to go from there to a price. It comes in around $14k. Add a MMM and it should be just a few hundred more than I am paying.
EFC, price was a issue for me but not the only one. Want some insite to my thoughts? Tractor requirements, 20hp class, FEL, MMM, 4 wheel drive, hydro. Uses, replace my current 8N and 22hp MTD, maintain my 7 acres.
First I had to like the tractor. The ladder type frame of the JD2210, JD4010, KubB series was not impressive, though they were good for mowing. The FEL performance was less than I had hoped for. I liked the traditional cast iron frame of the 15 series Mahindra and the CK20H Kioti.
Next I had to like the dealership. The JD was someone I (and family) had done business with before and likely will again. The Kubota was as nice. The Kioti dealer was ok but over 50 miles away. The first Mahindra dealer I was willing to do business. The last Mahindra dealership (and the one I chose) had some draw backs (mostly unpaved parking) but were nice people. The owner was usually there, he answered the phone a few times I called. He stayed late so I could drive the equipment around. The machanic was freindly and spoke english (that is getting rare here). The parts counter was well manned with knowlegable people. And they had a good supply of parts.
And last was price. All prices were with FEL and MMM. The Dealer and his 2015 was over $800 less than anyone else, local.
After I desided on that unit I came into some money (I overpayed the IRS far more than usual). I desided to get the 26hp unit. He quoted me a price less than I had gotten on the 20 hp 4110.
So EFC, you can call it me squizing every last penny if you want. I call it educating myself with the needed info to make an intelegent desision.