I gotcha, yeah it can be touch and go with that so good on you for doing your homework on your specific situation. There’s a thin gray area where overage vs 15K RV drop is pretty much a wash.
X5 loaner with 4600 miles
36/15k
$69k MSRP
13% off MSRP
MF: 0.00145
Residual: 53.xx%
$1750 incentives
$871 sign & drive
Thoughts? Pretty much told me this or walk after 1-2 hours of back and forth. I walked but due to urgency of needing a car - I did offer $830 sign & drive to the salesman via text and said lmk
Have you tried playing with numbers if you ordered new with your specs at 12% off MSRP with OL code and CCA 1K rebate? Might come out to same price and you’re driving a car that hasn’t been farted on for 4K+ miles…
A custom order with 12% off would be about $866 with $0 drive offs. I have not had a good experience with Nor Cal dealers and most of them capped discount at 9.5% if I wanted base MF.
That would be IF they did 12% off and base MF. which they wont. Either way I countered at 15% off and they accepted (over text) so I am going in later today to sign!