Looks like a good deal, in line with mine in CA. I got a 2020 Terrain Denali, MSRP $45k, for $1k drive off, and $342+tax per month, 36 months, 10k miles…
MF is basically the interest the bank is charging. Buy rate means that the dealer isn’t marking up the mf to make more money on the back end. Some dealers will offer a larger discount on the selling price, but make up the difference (or more) by charging a higher interest rate.