Hello, this is my first time leasing and I am looking for a Mazda CX-5 Touring in NY. I am getting quoted an offer for $400 / mo with $1,500 down. When I run the numbers on the leasehackr calculator, it seems like the only way to get those payments is with 0% discount and no lease cash. However the dealer claims they’ve discounted heavily and counted the lease cash.
MF .00139, Residual 60%, 36/15K
Am I doing something wrong or is this really a bad offer?