Key PointsRivian renegotiated its original $6.57 billion DoE loan down to $4.5 billion.The loan will be crucial to support construction of Rivian's second production factory.Rivian expects to take the first loan draw early in 2027.Motley Fool Issues Rare "Total Conviction" Buy Alert › We all get it -- headlines love to throw around massive billion-dollar figures as if everything is secure and concrete. Investors know that's not the world we live…