2017 Toyota Tacoma SR5 4x4 DC one pay

Year, Make, Model, and Trim: [2017 Toyota Tacoma SR5 4X4 Double Cab]

MSRP: [$38,200]
Selling Price: [$33,250]
Rebates: [$0]
Trade-in: [$0]

Months: [36]
Annual Mileage: [12,000]

MF: [000125] (I think)
Residual: [$27,290]

Security Deposit: [$0]
Total Due At Signing: [$11985]
Monthly Payment (incl. tax): [$0]

Zip Code: [27511]
Sales Tax Rate: [6.25%]

Leasehackr Score: [9.7]

I was lucky enough to get access to excess capital (excess beyond traditional investment, etc). I needed a second car because my M3 is basically undrivable in winter (I can get snow tires, but I’d rather not deal with replacing them every year). So I decided to do a 1 pay lease on a Toyota Tacoma.

I think I did alright, residuals are stupidly high right now it seems on the SR5 models. Taking delivery tomorrow and will confirm money factor. There’s a 60 basis point reduction for one pay leases.

Why would you do one pay for 60 basis point reduction when inflation averages around 130 basis points?

Numbers don’t add up. You have the MF wrong. Even at .00125, the numbers still don’t add up. Depreciation is $5960, rent charge (assuming .00125) is ~$2725, acq is $650, tax is ~$606. Add all that up and it’s only $9941. DMV fees can’t be close to $2k.

Is this with TFS? You should definitely go with a dealer that works with US Bank.