2010 RZR4 Robby Gordon purchase price

Been looking for an RZR4 or Ranger Crew 900 for a while. I prefered one street legal becsuse you can’t legalize them anymore here in Michigan. Anyway, found one at a local dealer finally that’s honestly mint. Not a scratch and it’s legal too. So, dot windshield, wipers, squirter, blinkers, horn. It also has a factory roo, rear lexan window, ITP wheels with sweet dot tires with nubbies still on them. It has 1900miles.

Dealer wants $12,500, but I’m concerned the bank won’t loan against it. Nada says avg retaile $9,500 (no way you can find them for that here) & kbb says $9,100.

Is it too high or are nada and kbb smokin crack?