We aren’t talking about whether BMWFS is in the business of saving you money.
Both @mattya111 and @HersheySweet asked great questions about negotiating the money factor, and whether there’s value in marking it up when the acquisition fee is waived. In many cases, we’ve seen users lock in better deals by doing just that. In fact, this strategy works often enough that it was added to the calculator, and we have plenty of threads that discuss it.
Quit trying to instigate. I called you out for being misleading three weeks ago when you were using a potential BMW lease extension as a selling point to transfer your 6-series, and you’ve had a petty vendetta ever since. Seems you are more interested in looking for things to fight about than actually being helpful. Just let it go.