Hi,

if you are looking for re-sale value, it is recommended to get it from trade in department at Toyota company. at least you will not in position when you sell it losing lot of money when you compare original car value plus loan interest from any bank.

Regarding 2.7 or 4.0 i have 4.0 which is good for its performance. you can not drive 2.7 if you tried 4.0