2019 Chevy Blazer RS AWD - Proposed deal

Alright guys, I’m at it again. This time looking at a 2019 Chevy Blazer RS AWD. Here are the details:

MSRP: $50,765
Sale Price: $45,638
Incentives: $4,000
Residual: 62%
Interest: 5.47%
Terms: 39mo / 15k miles
Down Payment: 1mo + tag/fees
Monthly Payment: $519/mo tax included w/ excess wear and tear & road hazard.

No deal has been made yet, I’m trying to get it down to $475 tax in. The first offer from the dealer was $639 for the same terms. Thoughts on this deal?

New car so I’m surprised by the discount and cash, but the rate blows, any idea what buy rate is?