You will never get the bike out the door for $3,800.
@CBRpilot covered most of the points, but if you really want to know you should ask the dealer what the terms of financing will be - because the contract will between you and the dealer, not you and us forum guys. For example, to get the minimum rate of 3.99% at 36 months*. you have to finance a minimum of $7000
Lol I don't think I have a single thing to add, I was truly going to say almost all of this stuff. Great list, Stirz! I might note, however, that cash is not as big of a bargaining chip nowadays. It is very situational. The dealer might value having that cash in hand right away, but oftentimes they get some kickbacks from some of the more... lucrative (read: predatory) financing schemes that they offer, and thus they will often pressure people into those contracts.True Dat!!
We don't want to discourage you from getting a great bike, but you may want to consider some things that others have learned the hard way:
*Do some research into what your full-coverage insurance will cost, which should include provisions to pay outstanding note if you total the bike before paying off the loan.
*Financing through a bank or credit union rather than through the dealership - you might get a better interest rate.
*Pay as much as possible up front (better loan rate, usually).
*Always opt for the shortest term you can afford - you can save significant money over the term of the loan and you will own it free and clear faster. Just paying an extra $25-50/month can make a pretty big difference.
*If you pay cash, you will have a better bargaining position and will usually get a better OTD price - Credit card payment will cost an additional 3% over cash price in addition to the credit card interest rate (don't do this).
*Buy the 2015, rather than a 2016 - likely to get a better price and there is no difference between the two.
Read the contract thoroughly before signing anything.
tldr*i just went through the process of buying my r3 last monday - hard to believe it's been a week! I had saved up for a while in advance and ended up paying just over $6100 otd. I wanted to make sure the bike was mine the moment i rolled off the lot. I did shop around a considerable amount and ended up finding mine at a closeout price that was several hundred less than the other dealers in the area (i'm in atlanta, ga).
I would also advise to factor in the cost of maintenance: Tires, chains, oil, filters, throttle body sync (ugh), and so on. Then there's gear and extras (bike cover if parking outside overnight, center stand if you plan on doing much work yourself, slip-ons, etc). If you're a new rider, you should consider taking the msf as well; often, they'll give you a discount at local dealers and on insurance. My msf course completion ended up paying for itself by way of giving me a coupon to a local dealer for an amount greater than the course cost.
Add to this the boloney the dealer will try to sell you - like pay-for-maintenance-in-advance programs and such. I was shellshocked by how much they wanted to charge me for basic maintenance. I left with a beautiful bike and the very sour taste of potential dealership runaround. It wasn't until i got home and started reading the "600 mile service" thread that i realized the communal consensus was to decline these services. But geez, i almost got suckered.
Tl:dr - be proactive in looking for extra costs. They're under every rock.