RV FI manager here. You are looking close to 8-11% depending on down payment amount. Some lenders may be more competitive based but the actual structure of the deal and down payment will help you achieve better terms. Your DTI is high so make sure you include every single dollar you are paid on the application before any taxes, 401ks, health insurance, etc. The business manager at the store can help with loan placement terms as most dealership use national and local lenders and it’s their job to know loan programs to secure your deal with the most competitive terms.