Year, Make, Model, and Trim: 2020 QX60 Luxe AWD w/ Essential
MSRP: $53,255
Selling Price: $42,486 (includes all incentives)
Monthly Payment: With 7% tax and fees wrapped in, came out to $449 with $0 DAS and 2 MSDs ($466 with no MSD)
Months: 39
Annual Mileage: 12k
MF: .00027 (.00007 with MSDs)
Residual: 53%
Incentives: $2000 Winter Bonus, $2900 Dealer Incentive. I think they also used VPP.
Region: Midwest
Looking at your deal fist off, your money factor seems marked up.
Based on your location, look up on Edmunds the MF and the residual, for accurate numbers.