The term for both is 10k/36 with a residual of 54% for the BMW and 51% for the Lexus. I ran the numbers and the BMW overall seems to be about $100 more a month with both cars optioned to 95k. With a 12% discount on both and MSDs, the BMW comes in at around $1050 and the Lexus comes in at $900. I think that either way it depends on what options he wants on the vehicle and how much the Tampa dealers will want to play ball.
