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The reason people won't take the "why wait, just build your own" is because there is a BIG difference between financing a car and putting out 10k cash on a car that is financed and being up the creek when parts start failing.
Sure on paper you might say hey you can do it all for 5k or something but modifying cars becomes a rabbit hole...
As for my "STi"
Keep OEM suspension, add camber bolt, maybe less than 1 inch lower springs. ~$500
Innovate supercharger when IC comes out ~$5,000
Robispec cooling if it will fit, or some other oil cooler and radiator ~$1,000
Exedy stage 1 clutch ~$500
Cheap 17" wheels and 245 Pilot Super Sports ~$1,500
Front BBK ~$2,000
Gauge + Install ~$500
Dyno Tuning ~$1,500
So there is a BASIC build and it totals $12,000 already and that is installing most of the parts yourself. If you are only on the street you can probably stay OEM suspension and skip the BBK and cooling, but that is still closing in on $10,000
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