Deal check: 2020 Evoque SE

I got the following quote on a 2020 Evoque SE
$56,850 MSRP
23% off
53% residual
.00197 MF
$1,500 out of pocket, 36 months 10k, $591

This is in Southern California.

I looked up the MF on Edmunds and it’s .00001. The sales guy claims that’s for new ones only and the service loaner has to be on this MF. Is this true? How else can I get this to go lower?

Make sure it is not on 2021

I’m having trouble finding a loaner Evoque with blind spot assist (a must have) in SoCal. Is it worth getting it from another state? Any idea what delivery goes for? I saw someone from Northern California post about Nashville.