here. Input all the numbers according to his email.
Just FYI - He will be sending me a new quote with Rebates of $3K (he left out Penfed) and MF corrected back to Dec 0.00082. This calc is to replicate his number $860 which doesn’t match either 
@Steveb the answer is, it really doesn’t matter. The dollar values of expected gains or expected losses are trivial. It comes down to personal preference.
As a matter of principle I prefer not to pay tax monthly on fees that are otherwise non-taxable when paid upfront, such as my DMV fees.
Probably not in a reasonable financial position to lease a $765 car if the sub 1% chance of losing $800 or the liquidity is materially important to the lessee.
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