Just to close this out final deal we got was a higher features car ($3K in extra features so final MSRP ~48.3K) for $317/month with only first month due at signing (acq fee, dealer fee, tax rolled into the payment) and MSD.
Atlanta. In case anyone wonders this different car also had similar mileage of 5.9k on it. Also similar deals should come out stronger as we pay full 7% sales tax on the car for loaners.
I haven’t seen an actual number but would be curious to know. Probably a limit on mileage for the car to be considered new and not just eligible for new car programs.