Unpopular opinion: Rajkot's real payment plan advantage

Since January I've been shortlisting flats in Rajkot, and honestly, buying for myself is tougher than advising clients. Everyone glorifies construction-linked payment plans, saying it's safer. But off the record, for an investor, isn't a solid down payment smarter? I'm looking at a 3BHK in Krishna Kunj, maybe ₹90L. Ansal API jaise builders always push CLP. But meri calculations suggest that a higher initial down payment can get you better discounts, effectively reducing the `all-in-cost` significantly. `PLC` and `OC` charges are fixed, but the base price is where the real game is. Is it just me, or do we overthink `EMI` and not enough about the *actual* total amount paid? What's your experience leveraging a larger down payment for a better `ROI`? Change my mind.