2025 Lexus RZ 300e Deal Check

Ask the Hackrs
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Hi Hackrs

Thanks to this great site I’ve been using some of the tip on negotiating a lease on a 2025 Lexus RZ 300e. Want to get some opinions on if this a good deal or if there is some more meat on these bones?

Also do you guys recommend MSD to buy the rate down?

MSRP $45,024
Dealer adjustment discount sales price$42,865
Additional negotiated discounted sales price $40,024

Negotiated MF to 0.00105

36 months
10,000 a year
Zero drive off

Estimated monthly payment w/ tax $443.53

I’ve also attached the offer from the dealer
RZ Lease.pdf (316.4 KB)

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Build out the calculator and compare it to the pre-negotiated deal in SoCal.

IMG_8148
IMG_81481290×2796 357 KB

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the deals good, the pre negotiated deal is only about $16 cheaper a month and its only 7500 miles. you might be able to get some more off but is it really worth the headache, also max msds would bring your payment down to aroun $403 per month

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No broker fee :white_check_mark:
Heavier discount :white_check_mark:
Free delivery :delivery_truck:
5 star service :fire:

Structure it w MSDs save a few bucks with minimal out of pocket (only MSDs $3600)
36/10k $431 no MSDs
36/10k $389 with max (9) MSDs

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The dealer worksheet is pure non-sense. An adjusted cap of 48882.72 is impossible b/c it results in an MF = -.005763… MF’s can’t be negative. This is why I take dealer worksheets with a grain of salt. If you’re interested in learning something about leasing and the calculations, you may want to look at this…

Building a Motor Vehicle Lease- Data Collection and Calculations.pdf (370.9 KB)

1 Like
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OP besides being a great deal this is the solution in terms of structuring. Cap everything and MSDs are a no brainer in terms of pre tax yield.

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If I went down the MSD route do dealers usually let you put a MSD on a credit card?

Also where in the lease agreement will it say that the lessor is guaranteed to get their MSD back.

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Hi thanks for the response what do you mean

in terms of pre tax yield

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Hi Thanks for your reply.

sorry if this is a dumb question, I’m learning as go , should their Estimated Adjusted Capitalized Cost reflect the original MSRP of the car which was $45,042?

This is why I take dealer worksheets with a grain of salt.

Can I ask for a final term sheet/ contract to compare to see if there are any differences between the their worksheet and the contract/final term sheet?

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What yield would you need to earn on an investment of 3600 at your effective tax rate to result in a higher return than locking the same 3600 up in MSDs? If I could earn 500 after tax annually on every 3600 invested I would be respond to you from my yacht :grinning_face:

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First, some preliminaries…

Sell Price (SP) = MSRP - Dealer Discount
Gross Cap Cost (GCC) = SP + Amounts Capitalized

And now…

Adjusted Cap Cost (ACC) = GCC - Cap Cost Reductions (CCR)

You can but I wouldn’t. Did you read my posted pdf? It explains everything.

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