When I did it I got this, the drive off being the rebates directly so I don’t pay anything out of pocket. You can get almost the equivalent deal with a slightly higher payment new 330XI according to others calculators and deals. They didn’t “inflate” the MF they said, it’s .00099 but .00064 after the MSD. She said the rebates/discounts act as a down payment.
That’s not what the calculator shows.
I think what you need to clarify with the dealer is how they’re applying MSDs. If you treat their quote as the $2800 down they’re showing is your total out of pocket, so covers the MSDs, their numbers just about match to the calculator.
That’s not how sheets like this normally show MSDs, but it’s also not mentioned separately
I’m Sorry I see the mistake.