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What if you had $400

Were I starting all over again, I'd probably pick up a Squier CV 60s P or Epiphone Classic Pro Bird at this price point. Between your choices, I'd be the most interested in the Stingray for its classic design. That said, my bass heroes are mostly 60s-80s, so YMMV. :)
 
Do you currently play 5 string? Do you prefer narrow or wide spacing? Do you currently have any dual humbucker basses? Is dual HH the only pickup config you're looking for?

If you prefer narrow spacing, go for the sterling. I'd probably still go for the sterling over the ibby, because the soundgears get good at the "500" level and above. If you prefer wide spacing, the Jackson looks gorgeous to me.

Also check out the Yamaha TRBX 305. Youd be better off saving up a couple hundred bucks on a TRBX 505...
 
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Used is obviously the most for your money, but to your three choices I'd go Sterling. I've never tried one of that model, but I have their "beginner" lower model that is really a great budget player. The Ray would be even better I bet, and be a heck of a value as well.
 
I say save your Reverb credit, and go audition some used basses locally, if you can do it safely.

Used basses will always offer you the best bang for the buck.

Hit all the pawnshops in your area, and look on CL and Facebook Marketplace.

There should be plenty of deals out there on a good quality used bass at your target price.

Just for reference, I bought all these 3 basses used for less than your target price of $400.

$59.95 - '74 USA Fender Jazz Bass
$115 - '90 MIJ Fender '57RI P-Bass
$204 - '94 USA Fender Jazz V Plus (5 string)
 
I almost commented there's nothing wrong with the SR305E, but then I remembered that you'll need to replace the machine-heads & the neck has no reinforcement, so it might not be very stiff.
Getting a pre-owned Premium Soundgear for around $700 seems like a better deal to me!

What's wrong with the tuners?!? Just kidding.

For kicks 'n giggles, I did a quick filtered-search on Reverb. Add $300-400 to the existing 4 bills and you'll find a number of Premium series Ibanez bass (used / near-mint) that would absolutely walk-the-dog on any of the offerings in the initial post. I stuck with an Ibanez-centric search as I've found the brand to be the hands-down "best buy" in the price bracket.

Riis
 
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This...Made in the same factory as the Lakland 55-02 Skyline.Link Removed
 

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I'll chime in as someone who typically only buys new instruments:

I recently bought a used 5 string (classifieds) and it's now my go-to. At this point, it doesn't even register someone else played it for x amount of years, I only think of the sweet sweet deal I got on it.

Wait to use that 400 or looked used, and if you absolutely must, get the Ray.
 

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