2019 BMW X3 M40i lease
36mos, 12k miles
MSRP: $63245
Selling price: $57245
Net cap cost: $58578.25 (selling price + acquisition fee + tax - cap reduction)
MF: 0.00188 + 7 MSDs = 0.00153
RV: 58%
Cap reduction: $1874.25
BMW loyalty: $1500
Due at signing: $7172 = $5250 (MSDs) + $794 (doc fee) + $1874.25 (cap reduction) - $1500 BMW loyalty
Monthly: $753.98 (inclusive of tax - 7% in GA)
Seems like I’m basically putting $374 down. Should I have them remove the upfront cap reduction and apply the $1500 loyalty to the net cap cost? Anything else I should try and negotiate for (other than reducing the doc fee)?