No wonder why there are so many overpriced used bikes listed for sale on ebay and elsewhere that aren't selling.
A big reason they're not selling is that the seller wants to get a price equal to or better than their payoff. Many one and two year old bikes are listed for at and sometimes above what a new one costs. Maybe you shouldn't have rolled all those accessories, gap coverage, warranty, and motorclothes into the loan. The new seller isn't going to pay for all of that.
Many Harley owners have failed to grasp that this isn't 2001 anymore. Supply has long caught up with demand. In fact, supple has exceeded demand and then some.
Many Harley sellers have no problem understanding that if they bought a car and traded it in a year later, they'll have a minimum $4500 negative equity, perhaps more. These same sellers can't understand why their bike isn't selling and have received no offers.
You've got a used bike. It's a Harley but it's still used. Subtract 20% minimum for the first year, an additional 10-15% for the second year.
The market is glutted with so many motorcycles now. The NADA book does not reflect current market conditions. Seven years ago, NADA prices would be very accurate.
My advice to prospective buyers: Make sure this is the bike you want to own because unless you're putting a substantial amount down, you'll lose money selling in the first three years.
My advice to prospective sellers: Be realistic. The market is vastly different now than in the 90's and the beginning of the aughts. There is a HUGE supply of new and used bikes. There is a recession. Your bike is USED. It's worth less, much less than when you bought it new. Even with all those accessories.
Not to mention that someone has to have cash to buy your bike. At the very least, arrange financing on their own. That significantly reduces the number of potential buyers.