2018 X5 dealer loaner, what am I missing?

,

Went to the dealer tonight to get some numbers. Off top I have a trade with $2914 negative equity. They have an advertisement that states $635/month with $2k down and sale price is $58085. Tonight he said he was giving me $10k on MSRP $63835 and quoted me a payment of $699 with $4261 due at signing. I’m confused cuz I’m thinking with the advertisement deal with my negative equity it would be about $732/month with the same $2k down. So if they are selling it to me for another $5k off the sale price wouldn’t it be somewhere in the $570/month range?

A post was merged into an existing topic: Looking for advice on new BMW X3 or X5 lease