We just took delivery of a 2019 X3 Demo for 36/12 with zero down and 3 MSD for $399/mon incl tax. She has a few more as I recall. A bit far from you, but it will save you a major headache.
My deal is here (Signed - 2019 X3 S-Drive (DEMO) - 36/12k, $399 x 35pmts, ZERO DAS, 3 MSD) from saturday afternoon for all the details.
This deal is no longer repeatable at this dealer.