Check the market there’s been like 3-4 m sport 5 series posted by brokers; they won’t have you putting so much down.
A discount can look “aggressive” purely because of the MF or your Cap cost reduction from your down payment. Which in your case the MF is a little marked up but that explains the >10% discount.
What’s the 3k excess down payment towards cap cost for?
The posted numbers don’t match the posted payment. A small discrepancy is no big deal. A big discrepancy means your information isn’t correct. If you want to evaluate the deal, you need the correct information.
Updated calculator looks correct. A discount of 10.3% off MSRP and buy-rate MF is pretty solid.
Not a cheap lease, but it is what it is for a facelift non-loaner 5-series it seems. If you qualified for loyalty, PenFed, and BMW CCA, then it would be a little bit less.
Multiple Security Deposits are refundable payments out down up front to buy down the money factor. You get the security deposit back at the end, so while it is more money up front, it (often significantly) reduces your total lease cost, often to the tune of several thousand dollars.