I have a couple of questions, as I have a very similar offer on the table from another dealer.

Dealer #1 took the $500 USAA as Cap reduction. Dealer #2 took it off the selling price of the car, and said that this is better because then you don’t pay tax on the $500. Thoughts?

Dealer #1 rolled the acquisition fee into the payments, and Dealer #2 said I should pay that fee (along with 1st month, taxes, DMV, and document fee) upfront so that I’m not financing those costs. He also said that by paying the fees upfront, it would keep my MSDs at $350 each…whereas if my payment goes up, then the MSDs would be $400 each. Thoughts on this?
I’m trying to compare apples to apples on the deals, but it’s difficult when they’ve structured them differently.
Edit: Here are the numbers from Dealer #2
MSRP: $50695
Price: $45000 (includes $500 USAA discount)
Rebates: $7000 ($6k lease credit, $1k loyalty)
Adj Cap Cost: $38000
RV: 61%
MF: .00147 (with MSDs)
Customer Cash: $2686.64 (DMV, 1st Payment, tax on rebate, Acq fee, doc fee)
Monthly Payment: $297.88 plus tax ($326.17)
Leasehackr score: 13.7