Thanks for pointing that out. Makes sense to me, but I had some trouble myself figuring out how to phrase everything for a potential buyer. I edited the title to try and clear some things up for the posting. 
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It’s a transfer. It doesn’t matter what your original upfront costs were. You just put whatever number you are asking for now.
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True, but @ZZAutoDeals was correct in his assumptions that the calculation was for the original ‘sign-and-drive’ cost, so-to-speak.
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Sent you a DM with an interesting offer.
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Well now you have to share it…
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It involved his wife… 
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I’m sure “interesting” is being used as a synonym for terrible in this scenario.
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Nah it’s actually a pretty square trade if it plays out.
A BMW for a BMW.
X5 for x3m ?
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Wife swap you mean?
Still available? What part of TX?
Yes, and Austin. Probably easier to PM if you’re interested I have someone else inquiring about it currently also.
for the lazy math folks:
671 monthly payment (TX)
12/2020- end 6/2023 = 31 months
2024 cash / 31 months = $65
effective monthly = 736
with a refundable 4900
I see this as an excellent deal all things considered.
I’d do it in a heartbeat if my wife didn’t hate all SUV’s but the G wagon 
FWIW - allocate 3-4 weeks for BMWFS to complete a transfer, assuming all goes well
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I am interested.
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