With you being in Texas and looking at BMWs have you looked into going for a hybrid and using Owners Choice? Owners Choice is a special financial product from BMW/Mini for people in Texas, and is basically a lease but puts the vehicle in your name. There are some crazy loop holes with it though which mean potentially you can get dealer discount, vehicle incentives, sales tax credits, Fed rebates, State rebates which can add up to deals that are the best in the country for BMW/Mini hybrids/EVs.
Here’s an example with a 2019 Mini Countryman with Owners Choice: Trophy Garage [ Photos ]
Looking at the numbers you could get an incredible hack on a 2018 330e with Owners Choice. You could combine the $7k dealer incentive, $4001 Fed rebate, $2500 State rebate, $500 BMWCCA rebate, plus dealer discount, plus tax credits potentially:
That’s just spitballing numbers, but after the rebates you could be as low as $200p/m with zero down payment on a brand new $50k BMW. You probably only have until March 1st to secure a deal like this on 2018’s though.