What can I expect to pay OTD?

I think your truck needs to fit into your budget. Use this thread to build the truck you're looking for. It will give you your invoice price. My quote is $250 under invoice plus fees.

https://www.tacomaworld.com/threads/2016-tacoma-model-package-option-costs-master-list.388345/

 

43k with extended warrenty

 

SoCal varies allot. I was able to get just under msrp, there's close to $900 of added fees outside of price for the truck and then your local sales tax where the truck will be registered. This all varies where you live in California. Negotiation was minimal as there were no trucks in stock of the model I wanted. As I wanted 8 year 125,000 mile TOYOTA Warranty I was able to bargain that down quite a bit. If you want that as a bargaining chip make sure it is included in the original quote on purchase of the truck. Not after you make a deal on a truck and add it on in the finance department. Dealing in finance your cutting into someone else's commission and they are very unlikely to deal much at that point. They know you have found a truck and you just gotta have it. Then you're on the wrong side of the bargaining table.