2019 Jeep Cherokee High Altitude 4x4 Lease

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Here we go, after a month of hunting - this seems to be the best option I’m getting back on this car (which doesn’t feel like much of a deal).

MSRP: $39,330
Selling Price $36,354

39/12k - $415 month

Rebates:
$4,250 Mid-Atlantic 2019 Bonus Cash
$1,750 Mid-Atlantic Lease Cash
$500 TrueCar
Total Qualifying Rebates: $6,500

USBank
Residual 47% = $18,485.76 (end of lease)
Money Factor: .00132
Gross Capitalized Cost: $37,048.99
Cash Cap Reduction: $769 (money down)
Net Cap Cost: $30,548.76
Acquistion Fee: $695

Doc Fee, License, and Title $269
Tax: 11%, 11% of what?

I’m confused on gross vs net capitalized cost - any explanations? USBank has $3,250 more in rebates, but a 3% higher Money factor, slightly lower residual, and 3 months shorter term than everything I’ve seen from Chrysler Capital.

I feel like there’s room on this car I just don’t know where it to find it.

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