Really I was just recalculating some offers I had in excel to recreate the LH calc simply to ensure I understood the math. Once complete, I was trying to figure out how to compare deals if one had a better discount and the other had a better incentive (or lower fees), and it didn’t seem to matter as long as cap cost was the same. So long story short, I just am curious when comparing how good a deal is… not too concerned with monthly payments assuming the math checks out.
Then you definitely want to separate out the discount and the incentives so you can actually normalize the deals.
Incentives come from the manufacturer, not the dealer. If one dealer is giving you less, theyre likely hiding it in the discount and actually giving you less discount. Separating them lets you properly compare.