How about putting 4-5K down and buying a new or a few years old car? New is new. New car discounts are pretty heavy. Depending on your area you can get 4-5K off on a new Camry.
That's quite a generous concept. Generous to car dealers, those who provide financing, and accountants who can make hay with the 20% loss a new owner enjoys within 12 months via depreciation.
It's the perfect solution if you're a thoracic surgeon.
It's also generous to the makers of the modules, CVT trannies, TPS sensors, and manufacturers of power luxuries, all of whom will be collecting big time on spare parts sales by the time "new was new" starting ticking 5 years earlier...
It's also generous to those of us who are automotive bottom feeders, because it adds to the supply of well-maintained, excellent-driving cars whose depreciation has been completely deducted from the price.
Conceptually, I owe hundreds of thousands of dollars to people who, many years ago, decided "new was new." They all (and I say, thankfully from my own personal point of view) thought it was an "investment" to cough up $28k, $37.5k (average US car, 2018), $55k (average luxury car) and more.
The massive savings from a $5k discount... that's 7.5% of $37.5K... not bad. You'd lose only 12.5% of your "investment" the first year of ownership... you'd have to kiss goodbye forever a mere $4,687.50 in the first year.
Oh, wait -- that completely meaningless loss is just about half what the OP wants to spend...