2019 BMW 330i Loaner Quote - Thoughts?

Got this quote, already know they are using .00168 as MF, they’ve maxed it out and aren’t budging.

Discount includes $2,750 (lease credit and conquest)

Can do better on a 2019 loaner with nearly 5k miles. Aim for 18% off pre-incentives

Edit: and yes get the MF to .00128 if you can

This is 18% pre-incentives on a 2019 loaner

I ran the numbers, looks like 15.5% to me unless I’m missing something. That’s also a stupid high dealer fee. If you can’t get the MF down (some dealers refuse to budge on it), see if you can get more discount to offset that.

I’m a donk, it’s not $2,750 for rebates, it’s only $1,500 on the 3 series. I confused this with another quote I got for a 5 series.