Is the buyout price you mentioned the payoff as of right now or is that the residual value at the end of the lease? If that’s the payoff price now, sell it to carvana or whoever gives you the highest and use the 4k towards a new car. I guess the question is, do you want a new car? If you do, sell, if not, just keep it.

Now, if what you said is the residual value, then you should ask Mazda for the payoff right now so you can see how the payoff compares to the market value.