2020 Jeep Wrangler Sahara: Thoughts?

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MSRP: 54110
Sale price: 48850 (9.7% off; 4% below invoice)
36 months/15K miles
Residual = 62%
Money factor = .00188
NJ taxes (7%)
Was told $4000 “down” - I’m clarifying exactly what is included here, but I think it includes all fees, taxes, etc. and a cap cost reduction (I don’t love paying for extra cap cost reduction).

Monthly payment = 571. I get $559/mo on the leasehackr calculator, with a score of 7.3. The discrepancy might have to do with how the $4000 down payment is itemized - not sure.

Thoughts? There are dealers that can do better on the sale price, but maybe at the expense of marking up the money factor.