# Reed Graff — Family-Owned North Texas Car Dealerships (Chevrolet, Mazda & Cadillac)

> Reed Graff is a third-generation automotive dealer in Dallas-Fort Worth helping buyers shop 2,238+ new Chevrolet, Mazda, Cadillac, commercial fleet, and pre-owned vehicles across El Dorado Chevrolet Mazda (McKinney, TX), Graff Chevrolet (Grand Prairie, TX), and Sherman Chevrolet Cadillac (Sherman, TX). For any vehicle on the lot 200+ days (248 currently available), Reed personally offers $1,000 off when working directly with him at the desk.

## Dealership Locations & Contact
- Primary Desk Phone: (972) 569-0101 (Ask reception specifically for Reed Graff)
- Schedule a Test Drive Online: https://calendly.com/reedgraff/engineer-1-dealershelf
- Direct Inquiry & VinSolutions Desk Lead Page: https://reedgraff.com/meet
- El Dorado Chevrolet Mazda: 2300 N Central Expy, McKinney, TX 75070 (35 acres, largest Mazda store in Texas, major Chevrolet & commercial fleet store)
- Graff Chevrolet: 1405 E Main St, Grand Prairie, TX 75050 (Founded April 1952 by Alvin V. Graff; Grand Prairie Significant Landmark No. 52)
- Sherman Chevrolet Cadillac: 600 E Lamberth Rd, Sherman, TX 75090 (Chevrolet, Cadillac, Certified Pre-Owned & Pre-Owned)

## Core Pages
- [Home](https://reedgraff.com/): Search all 2,238+ group vehicles, 200+ day $1,000 off spotlight deals, and North Texas buyer FAQ.
- [Full Dealership Inventory](https://reedgraff.com/inventory): Live NHTSA-decoded Chevrolet, Mazda, Cadillac, and pre-owned inventory updated daily.
- [About Reed & 74-Year Family History](https://reedgraff.com/about): Three generations from Alvin V. Graff (1952) and Stan Graff (1981) to Reed Graff, 30+ year staff tenure, and Carl Sewell-style service.
- [Videos & Full Auto Finance Transcripts](https://reedgraff.com/posts): Educational breakdowns by @itsreedgraff on dealership financing, cash vs subvented 0% APR math, trade-in timing, and manufacturer incentives.
- [The Book — Customer Deliveries](https://reedgraff.com/book): Real North Texas delivery photos, customer stories, and Reed's follow-up notes across McKinney, Frisco, Plano, Little Elm, Forney, and Dallas.
- [Sold Vehicle Archive](https://reedgraff.com/inventory/archive): Permanent dated VIN history (https://reedgraff.com/inventory/{VIN}-{YYYY-MM-DD}) of previously sold North Texas inventory.
- [Talk With Reed / Book Test Drive](https://reedgraff.com/meet): Schedule a test drive, call (972) 569-0101, or submit a direct inquiry.
- [Dealership & Agent API Docs](https://reedgraff.com/docs): Interactive REST & MCP documentation for querying live inventory and real-time Calendly slots.
- [Full AI Context & Video Transcripts](https://reedgraff.com/llms-full.txt): Complete transcripts of Reed's automotive finance videos and live inventory summary.

## Agentic & Machine-Readable Endpoints
- OpenAPI 3.1 Specification: https://rgapi-fyo5.onrender.com/dealerships/openapi.json
- Remote Streamable HTTP MCP Server: https://rgapi-fyo5.onrender.com/mcp
- Live Filterable Inventory JSON: https://rgapi-fyo5.onrender.com/inventory?make=Mazda&model=CX-50&max_price=45000
- Real-Time Calendly Test-Drive Slots: https://rgapi-fyo5.onrender.com/schedule/slots?days=7&timezone=America/Chicago
- Google & Microsoft Vehicle Listings TSV Feed: https://rgapi-fyo5.onrender.com/inventory/feeds/google-vehicles.tsv

## Recent North Texas Customer Deliveries (https://reedgraff.com/book)
- Angela M. (Frisco, TX) · 2026 Mazda CX-5 · 2026-11-10
- Tyler L. (Forney, TX) · 2022 Chevrolet Camaro · 2026-11-09
- Dyanna M. (McKinney, TX) · 2026 Mazda CX-50 Hybrid · 2026-11-05
- George M. (McKinney, TX) · 2026 Mazda CX-50 · 2026-10-29
- Taku S. (Plano, TX) · 2026 Mazda CX-90 · 2026-10-28
- Rishita P. (Frisco, TX) · 2026 Mazda CX-50 Hybrid · 2026-10-21
- Loan P. (Richardson, TX) · 2026 Mazda3 · 2026-10-20
- Rhonda C. (Frisco, TX) · 2026 Mazda CX-30 · 2026-10-19
- Paramjeet S. (Little Elm, TX) · 2024 Mazda CX-90 · 2026-10-19
- Preston S. (Anna, TX) · 2026 Mazda CX-5 · 2026-10-15

## Sample 200+ Day Aged Inventory ($1,000 Personally Off With Reed)
- New 2027 Chevrolet Bolt RS | Stock #VF101441 | VIN 1G1FZ6EV1VF101441 | El Dorado Chevrolet Mazda (McKinney, TX) | $31,995 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1G1FZ6EV1VF101441-2026-04-20
- New 2027 Chevrolet Bolt RS | Stock #VF101088 | VIN 1G1FZ6EV0VF101088 | El Dorado Chevrolet Mazda (McKinney, TX) | $31,995 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1G1FZ6EV0VF101088-2026-02-24
- New 2027 Chevrolet Bolt LT | Stock #VF100860 | VIN 1G1FY6EV1VF100860 | El Dorado Chevrolet Mazda (McKinney, TX) | $28,990 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1G1FY6EV1VF100860-2026-02-16
- New 2027 Chevrolet Bolt LT | Stock #VF100995 | VIN 1G1FY6EV2VF100995 | El Dorado Chevrolet Mazda (McKinney, TX) | $28,990 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1G1FY6EV2VF100995-2026-02-16
- New 2027 Chevrolet Bolt RS | Stock #VF100256 | VIN 1G1FZ6EV1VF100256 | El Dorado Chevrolet Mazda (McKinney, TX) | $34,685 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1G1FZ6EV1VF100256-2026-02-12
- New 2026 Chevrolet Suburban High Country | Stock #TR335031 | VIN 1GNS6GKL9TR335031 | El Dorado Chevrolet Mazda (McKinney, TX) | $94,100 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1GNS6GKL9TR335031-2026-04-24
- New 2026 Mazda CX-5 2.5 S Select | Stock #T0126915 | VIN JM3KMBHA6T0126915 | El Dorado Chevrolet Mazda (McKinney, TX) | $31,285 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/JM3KMBHA6T0126915-2026-04-23
- New 2026 Chevrolet Silverado Custom | Stock #TZ353744 | VIN 1GCPABEK0TZ353744 | Graff Chevrolet - TX (Grand Prairie, TX) | $39,230 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1GCPABEK0TZ353744-2026-04-23
- New 2026 Mazda CX-5 2.5 S Select | Stock #T0124813 | VIN JM3KMBHAXT0124813 | El Dorado Chevrolet Mazda (McKinney, TX) | $30,785 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/JM3KMBHAXT0124813-2026-04-23
- New 2026 Chevrolet Trax 2RS | Stock #TC150366 | VIN KL77LJEP9TC150366 | El Dorado Chevrolet Mazda (McKinney, TX) | $22,240 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/KL77LJEP9TC150366-2026-04-23
- New 2026 Mazda CX-90 3.3 Turbo S Premium Plus | Stock #T1381171 | VIN JM3KKEHC5T1381171 | El Dorado Chevrolet Mazda (McKinney, TX) | $50,695 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/JM3KKEHC5T1381171-2026-04-22
- New 2026 Chevrolet Equinox RS | Stock #TS120977 | VIN 3GN7DSRP7TS120977 | Sherman Chevrolet Cadillac (Sherman, TX) | $36,934 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/3GN7DSRP7TS120977-2026-04-22
- New 2026 Chevrolet Equinox RS | Stock #TS120966 | VIN 3GN7DSRP2TS120966 | Sherman Chevrolet Cadillac (Sherman, TX) | $36,434 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/3GN7DSRP2TS120966-2026-04-22
- New 2026 Chevrolet Silverado WT | Stock #TG321288 | VIN 3GCNKAEK7TG321288 | Sherman Chevrolet Cadillac (Sherman, TX) | $36,772 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/3GCNKAEK7TG321288-2026-04-22
- New 2026 Chevrolet Silverado WT | Stock #FFTG313688 | VIN 3GCNKAEK5TG313688 | El Dorado Chevrolet Mazda (McKinney, TX) | $41,105 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/3GCNKAEK5TG313688-2026-04-16
- New 2026 Chevrolet Silverado HD Work Truck | Stock #FFTF243856 | VIN 1GB4KSE77TF243856 | El Dorado Chevrolet Mazda (McKinney, TX) | $63,963 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1GB4KSE77TF243856-2026-04-16
- New 2026 Mazda Mazda3 2.5 Turbo Premium Plus | Stock #T1877902 | VIN JM1BPBEYXT1877902 | El Dorado Chevrolet Mazda (McKinney, TX) | $34,331 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/JM1BPBEYXT1877902-2026-04-14
- New 2026 Mazda CX-5 2.5 S Select | Stock #T0120416 | VIN JM3KMBHA2T0120416 | El Dorado Chevrolet Mazda (McKinney, TX) | $30,785 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/JM3KMBHA2T0120416-2026-04-14
- New 2026 Mazda CX-50 2.5 S Meridian Edition | Stock #TN491566 | VIN 7MMVABXL6TN491566 | El Dorado Chevrolet Mazda (McKinney, TX) | $31,916 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/7MMVABXL6TN491566-2026-04-14
- New 2026 Mazda CX-50 2.5 S Meridian Edition | Stock #TN491563 | VIN 7MMVABXL0TN491563 | El Dorado Chevrolet Mazda (McKinney, TX) | $31,916 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/7MMVABXL0TN491563-2026-04-14
- New 2026 Chevrolet Silverado HD LTZ | Stock #T1176295 | VIN 2GC4KPEY7T1176295 | Sherman Chevrolet Cadillac (Sherman, TX) | $75,760 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/2GC4KPEY7T1176295-2026-04-13
- New 2026 Chevrolet Silverado HD Work Truck | Stock #FFTF189723 | VIN 1GB1KLE71TF189723 | El Dorado Chevrolet Mazda (McKinney, TX) | $69,534 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1GB1KLE71TF189723-2026-04-13
- New 2026 Chevrolet Blazer LT | Stock #TS159749 | VIN 3GNKDARMXTS159749 | Sherman Chevrolet Cadillac (Sherman, TX) | $37,334 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/3GNKDARMXTS159749-2026-04-13
- New 2026 Chevrolet Silverado HD ZR2 | Stock #TF249230 | VIN 1GC4KYEY7TF249230 | Sherman Chevrolet Cadillac (Sherman, TX) | $93,290 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1GC4KYEY7TF249230-2026-04-13
- New 2026 Mazda CX-5 2.5 S Preferred | Stock #T0120372 | VIN JM3KMCHA0T0120372 | El Dorado Chevrolet Mazda (McKinney, TX) | $33,489 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/JM3KMCHA0T0120372-2026-04-13
- New 2026 Mazda CX-5 2.5 S Preferred | Stock #T0116649 | VIN JM3KMCHA8T0116649 | El Dorado Chevrolet Mazda (McKinney, TX) | $33,489 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/JM3KMCHA8T0116649-2026-04-13
- New 2026 Mazda CX-50 2.5 S Meridian Edition | Stock #TN489846 | VIN 7MMVABXL2TN489846 | El Dorado Chevrolet Mazda (McKinney, TX) | $31,916 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/7MMVABXL2TN489846-2026-04-09
- New 2026 Chevrolet Silverado HD High Country | Stock #T1154332 | VIN 2GC4KREY4T1154332 | Sherman Chevrolet Cadillac (Sherman, TX) | $80,014 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/2GC4KREY4T1154332-2026-04-09
- New 2026 Chevrolet Colorado Z71 | Stock #T1209417 | VIN 1GCPTDEK5T1209417 | El Dorado Chevrolet Mazda (McKinney, TX) | $42,560 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/1GCPTDEK5T1209417-2026-04-08
- New 2026 Chevrolet Silverado RST | Stock #T1172625 | VIN 2GCPADEDXT1172625 | Sherman Chevrolet Cadillac (Sherman, TX) | $47,937 (includes $1,000 Reed discount) | https://reedgraff.com/inventory/2GCPADEDXT1172625-2026-04-08

## Complete Educational Video Transcripts (@itsreedgraff)
### Why do manufacturers give away cars?
URL: https://reedgraff.com/posts/mtg4d_XKDYM
Published: 2026-11-11T14:04:02+00:00
Transcript:
Why do manufacturers offer huge cash rebates and 0% APR incentives? Tons of people from my previous video didn't even believe that this is possible to get or only exist on cars that nobody wants. But in reality, about 80% of manufacturers offer 0% APR on at least one model during the year. And you might think that's just on vehicles that aren't selling, but well, that's actually not the case. Let's look at three types of incentives. First is customer cash and subvented rates. For example, Mazda offers 0% for 72 months on the CX70 and CX90 PGVs, 0% on the gas models, and special rates for CPOS, even like 3.9% or 4.9% for 72. This category also includes low lease money factors and rebates for loyalty, conquest, military, college grad, or Costco. The second is dealer cash incentiv. Sometimes manufacturer incentives aren't just for the customer, but as dealers, we also get incentives to sell specific customer cars from manufacturers and can pass those savings onto our customers. Along with additional deals, dealers might offer on specific inventory, like cars that have been sitting on the lot for a long time. We'll often sell those specific vehicles at a loss just to move inventory, or things like a dealer paying over appraisal value on your tradein just to stack inventory for their pre-owned lot. And third are state and federal credits like on EVs. So, why do manufacturers offer these? If cars aren't moving and dealers start turning down Mazda's inventory, the manufacturers in the hall, they don't make money when us dealers sell cars to a customer. They make money when they sell a car to us. The first is that it offsets slower months. It's way too expensive for a factory to scale production up and down, so incentives keep sales more steady. Second, it pushes specific models that increase customer loyalty. For example, SUVs tend to have higher brand loyalty than sedans or sports cars. Third, it's just a pricing tool to stay competitive without permanently changing the car's MSRP. Fourth, and finally, it just flushes out older inventory, like EVs, where buyer interest has dropped drastically lower than predicted values for the year. Want to know the best times of the year to stack these incentives? Subscribe.

### How Does Dealership-Based Financing Work?
URL: https://reedgraff.com/posts/eEFcMYm3xok
Published: 2026-11-09T14:04:39+00:00
Transcript:
There are two different ways dealership finance cars and one of them is way more controversial. So how does the loan actually work behind the scenes? First is indirect lending where you come to us for a car, we send your application to dozens of competing banks at once including one captive manufacturer bank like Mazda Financial Services or Toyota Financial Services and because those banks are bidding against each other for your loan, we'll find you the most competitive rate and the winning bank pays a dealership commission or a flat fee just for originating the loan. Second is buy here pay here financing. These are the no credit no problem loans and it's something our family dealership generally stays away from. They're generally associated with the most predatory or aggressive dealerships. They'll price your loan super high and expect the loan to default and they'll put tons of GPS trackers throughout the car so that when you do defaults on your loan, they can repossess the vehicle, keep the down payment and resell that same car all over again. That being said when run professionally and with real underwriting, large groups like Clay Cooley have used in-house financing to help subprime buyers and grow super fast as a dealership group. For most buyers having 20 banks compete is always cheaper while in-house financing is strictly kind of last resort to rebuild credit. But what about pre-approvals? Actually do you walk in pre-approved from your own bank? Subscribe so you don't miss

### When should you trade in your vehicle?
URL: https://reedgraff.com/posts/L5pGgDTz_uo
Published: 2026-11-04T14:05:41+00:00
Transcript:
How long should you actually drive your car before trading it in? At the dealership we see people follow three main schools of thought. Three years, seven years, or 12 years. Trading every three years only makes sense if you're leasing because you're only paying for the depreciation. You're always under factory warranty, >> >> driving the safest tech, and usually getting subsidized deals from the manufacturers because they think that leasing gives higher brand loyalty. Some of the downsides of leasing include mileage caps, wear and tear fees, and always being locked in a basically never-ending payment. Unless you buy out the lease at the end, but that put you past three years. Now, on the opposite end is holding the car for 12 years, driving it until the wheels fall off. And it's something a lot of people consider when they buy a new car. Once the loan is paid off, you have zero monthly payment and you spread the initial depreciation of the vehicle over a full decade. However, around year eight, major repairs, transmissions, suspension, timing components, electronic components starts taking up pretty fast. And you risk places that you might trade your vehicle back into looking at your car instead of as a pre-owned vehicle and as an auction vehicle, making the car's value jump from about $10,000 to only about $500. So, the sweet spot for a lot of people is right around the middle. Around five to seven years, your loan is paid off, the steepest depreciation is behind you, and you still have a lot of trade-in equity before repair jobs start jeopardizing your car's value. So, when should you actually buy out your lease? Subscribe so you don't miss it.

### Should you buy in cash? Pt.2 Because the first one kind of sucked.
URL: https://reedgraff.com/posts/WuP5iLFfmXs
Published: 2026-11-03T14:04:07+00:00
Transcript:
What if you could drive a $30,000 car for 8 years for only 4 grand? When you buy a car, you pay in cash or you can finance. And according to the internet, the choice is pretty obvious. Right? Every finance guy says pay cash to avoid paying interest, which isn't bad advice, but there are ways to use your money smarter. Buy a $30,000 car in cash and the second you drive it off the lot, it drops 10% to $27,000. By year six, it's worth about $18,000 and by year eight, just $16,000. You avoided interest, sure, but you locked $30,000 into a sinking asset and lost $14,000 in value. Now watch what happens when you finance that same car at an incentivized rate like 0.9%. Instead of handing the dealer $30,000, you park that cash in the stock market earning 8% and pull the $428 per month payment straight from that account. Month one, your investment beats out the loan interest by $171. By year six, the loan hit zero and you still have $8,500 left over by the market. Put that back on the graph. For six straight years, your investment growth cancel out the car's appreciation. After 8 years, your net worth is $26,000 instead of $16,000 making you $10,000 richer than the guy who paid in cash. But how do dealers actually structure these rates? Subscribe so you don't miss it.

### Recording audio when at a dealership be like.
URL: https://reedgraff.com/posts/HBD1fzGd1RQ
Published: 2026-10-31T13:02:38+00:00
Transcript:
And this have been on the lot for more than 200 days, so we're willing to make a deal and get these off the lot.

### Should you pay cash or should you finance?
URL: https://reedgraff.com/posts/zDQa9T7XCB4
Published: 2026-10-30T12:28:50+00:00
Transcript:
Here's how to do it right, as explained by a third-generation car dealer. On a $30,000 car, the second you drive it off the lot, you're going to lose about 10% of the value. All right, over time, after 1 month, it's going to be worth about $26,000. Over 72, about 18. And over 96, about 16. Now, the car's going to be worth the same if you finance the car as well. But, the reality is that if you finance at a low interest rate, you can sweep the money that you would have otherwise spent on the car into a high-yield savings account or to the stock market and gain interest on that car. So, if you look here, if you're paying $428 a month, you sweep the rest of the money to the bank. After your first month, you're going to have earned about 170 additional dollars. After the second month, you're going to earn about $8,551. And on the after 96 months, you're going to earn almost $10,000 that you would have otherwise not had been able to access. Like and subscribe for more uh car and finance tips. >> [snorts]

### Tips on buying cars from a salesman.
URL: https://reedgraff.com/posts/f8l6xIBz7XI
Published: 2026-10-29T13:02:58+00:00
Transcript:
Want to tip on finding a good deal on a car? Ask a dealer for the cars that have been on the lot for the longest. Like this. Every single day a car is here we're losing money. On every single one of those cars we're offering $500 off in addition to the rebates that we're offering on them.

### Ask for old inventory when buying a car.
URL: https://reedgraff.com/posts/tMVxIHokZH8
Published: 2026-10-28T13:03:35+00:00
Transcript:
This. >> This. >> This. >> This. >> This. >> This. >> And this. >> I've been here for over 200 days and have to go before the end of the month. Come meet me at El Dorado Maza.