The captives and OEMs that I am familiar with (almost all) all have regional incentive programs which include the MF and cash components. The RVs are all nationwide so the real variability in payment structure from state to state will be due to the state specific sales tax and the method that sales tax is applied (just the depreciation portion or the entire purchase amount and when the sales tax is collected upfront or monthly) and then what the regional MF and other lease incentives are. Along with the variability in sales price of course.
