Deal Check: Ioniq 5 SEL

Hello and thank you in advance.

I received this from a dealer on a Matte Atlas White Ioniq 5 SEL in Los Angeles, CA.
I think the MF is high at .0029 (6.96%) since I have 800+ credit.
Residual is 58% on the 36/10,000.

How does this look overall?

Calculator details here

Thank you

That deal is terrible

This week im doing $4000 dealer discount and using a 0.0025 MF

I have white Matte available, call or text me at 3104053507