It's not much different from the team you have right now. Your team, Gmoney, and myself all have high salaries that would compete well enough right away in D4. Division 4 is now very different or difficult. There will always be two OUTSTANDING very high dollar teams in D4 in each league because of demotions from D3 but they won't have the money to keep that roster together because you still don't make that much revenue in D4. So every team in the end is beatable.
Anyways best of luck to everyone in the playoffs, I believe it will be a good one to watch.