2020 330i loaner help

,

Lease is up next month so my dealers been getting more active in sending me offers to get me to trade in. Emailed me an offer for $399 sign and drive on a 50k sticker 330i loaner. I’ve been trying to build a calculator using the details they included before countering, but I’m struggling to make sense of it.

MSRP 50,435
Dealer Discount 6,500
Incentive $750 lease credit
Loyalty $2000
(9250 total discount)
Selling Price 41,185

36 months, 10k
Residual 56.53
MF marked up to the max 0.00126

Fees:
Lease acq 925
Estimated DMV $900
Taxes est 1200-1300

Plugging those in best I could gives me this
Calc Link

Which is $150 a month off of what they were saying, what am i missing?

I’d target 15-18 for the discount, call it 17 and you’re at ~$480, 10 is standard on any new BMW besides an M

Did they say sign and drive or no down payment? Maybe you still have to pay drive-offs at signing?

They were explicitly clear at no money at all at signing. I’ll clarify with them but…not seeing how that’s possible with the numbers they gave me

dont take that deal

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