Without holdback I’m not sure how any BMW dealers would make any money. I know it’s taboo and everyone likes to pretend it doesn’t exist, but when cars are having birthdays and it’s the into the next model year, it’s time to move some metal. Let’s not fool ourselves, call it what you like but there’s more than 5.5% in these cars.
That’s a pretty legit discount on a new one and buy rate to boot. If you looking for a significantly cheaper payment go shop socal dealers for a loaner. Might be able to double the discount if you find the right dealer/car.