# Deal Check: Reality Check On My Calculations **URL:** \ **Category:** Buy/Finance\ **Tags:** suv, la-louisiana, ev, mazda\ **Created:** [July 6, 2025, 7:09pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263 "2025-07-06T19:09:29Z")\ **Posts on this page:** 13\ **Page:** 1
**Author:** ![slothjones](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/slothjones/32/230693_2.png) [@slothjones](https://forum.leasehackr.com/u/slothjones)\ **Post date:** [July 6, 2025, 7:09pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/1 "2025-07-06T19:09:29Z")
I signed yesterday (07/19/25), didn’t get the proper lease doc for uploading to this site though. wound up getting 70 phev PP. 6.52% off msrp (59740MSRP/55842 sell price), 66% RV, .00157 MF, 9 MSDs for ~$1700 to get MF to .00085, 11k rebates, 9.5% tax, first month+MSD payment DAS. If you get this same deal you should be at ~$390-$400/month First time potential lesee looking for confirmation on my calculator inputs, and overall strategy Louisiana, looking at black mazda cx-90 premium plus phev, any interior color. open to other exterior colors if deal is really good. 36 month/12k miles is ideal lease term. I looked around and used edmund’s lease calc to determine the various factors. How much I can potentially negotiate off MSRP (8-10% seems to be normal). RV of 62% seems to also be reasonable, but would like more input there. MF of .00183 seems reasonable, but wondering if my 806 experian score (saw that Mazda uses experian) should get me lower than that or if im way off base there. I am eligible for loyalty incentive (seeing $1k near me). there are also plenty of mentions on dealer site of $2,000-$2,500 lease cash/incentive separate from the $7,500 ev lease incentive and it looks like they can stack (wondering if true). And if true, how likely am I to be able to negotiate sale price to 8% or more off MSRP and get the lease incentive on top of that? Calculator only includes the loyalty and ev credit for now. For negotiating strategy I am torn between spending the time to go to dealers and walking if not happy (I know they can call back later if they want to make the sale) or mass emailing every dealer from Houston to Pensacola, and then up to Dallas/Fort Worth) Let me know if I left anything out that you need to know, and I will try to answer quickly, thank you! [Calculator Link](https://calculator.leasehackr.com?make=Mazda&miles=12000&msrp=59905&sales_price=55113&months=36&mf=.00183&msd=0&dp=0&dealer_fee=1500&acq_fee=650&disp_fee=350&taxed_inc=1000&untaxed_inc=7500&rebate=0&resP=62&gov_fee=650&sales_tax=9.5&demo_mileage=0&memo=&tradein=0&fin_sp=59905&fin_taxed_fee=0&fin_untaxed_fee=0&fin_term=60&fin_apr=0&fin_dp=0&fin_rebate=0&fin_ps_rebate=0&fin_tax=0&keep_term=60&exp_rv=0&service_fee=0&monthlyTax_radio=true&cap_tax=true&bmw_demo_25=true&lease_result_mode=true&dealerFee_check=false&govFee_check=false&pretax_monPmt=502&lease_das=550) ---
**Author:** ![calbear](https://leasehackr.b-cdn.net/letter_avatar/calbear/32/5_5575768a8748004e209b776fc1b2916d.png) [@calbear](https://forum.leasehackr.com/u/calbear)\ **Post date:** [July 6, 2025, 7:15pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/2 "2025-07-06T19:15:21Z")
How does this compare to what Signed deals and broker’s deals to your area? But for sure- do NOT waste your time going in person. Get the GM/GSM contact information and send them (at very lowest sales manager) your researched offer. Don’t forget to consider MSDs. Or continue to learn here, but if you need a car sooner than later- hire a vetted broker. ---
**Author:** ![slothjones](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/slothjones/32/230693_2.png) [@slothjones](https://forum.leasehackr.com/u/slothjones)\ **Post date:** [July 6, 2025, 8:51pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/3 "2025-07-06T20:51:33Z")
im not really seeing signed deals for this car in my area on this site. closest i have seen are cx70 with money down, or different trim levels which throws off a lot. thank you for the advice on email tactic! ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [July 6, 2025, 9:05pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/4 "2025-07-06T21:05:43Z")
> [@slothjones](#): > > For negotiating strategy I am torn between spending the time to go to dealers and walking if not happy (I know they can call back later if they want to make the sale) or mass emailing every dealer from Houston to Pensacola, and then up to Dallas/Fort Worth) Neither. Make a dealer an unambiguous and immediately actionable offer. The latter means making an offer with the caveat that if they accept it you will be there within an hour to take delivery. If they say no, move on to the next one. ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [July 6, 2025, 9:06pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/5 "2025-07-06T21:06:33Z")
> [@slothjones](#): > > MF of .00183 seems reasonable, but wondering if my 806 experian score (saw that Mazda uses experian) should get me lower than that or if im way off base there. You can’t get lower than buy rate. Is that buy rate? ---
**Author:** ![slothjones](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/slothjones/32/230693_2.png) [@slothjones](https://forum.leasehackr.com/u/slothjones)\ **Post date:** [July 6, 2025, 10:37pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/6 "2025-07-06T22:37:59Z")
so mazda has a financing offer available right now for 1.9% APR either 36 or 60 months. doubt i would get the equivalent MF, but im open to hearing otherwise for sure. i did have a broker quote me .00143 on a 24/12 lease today, but their dealer is so far away I would have to have it shipped and i want to check local quotes before I commit to an extra $1k. also thank you for the response to negotiating tactic, that sounds like a much better way to do it. ---
**Author:** ![slothjones](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/slothjones/32/230693_2.png) [@slothjones](https://forum.leasehackr.com/u/slothjones)\ **Post date:** [July 6, 2025, 10:53pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/7 "2025-07-06T22:53:11Z")
For sending a dealer an offer for them to accept: Here is the info I think I would send, can you let me know if I am oversharing or leaving anything out please? Specific vechicle I want, MSRP, Sale price, Months/Miles, Residual, credit score, Incentives, Trade Value/Trade Owed, only first month + taxes DAS ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [July 6, 2025, 11:36pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/8 "2025-07-06T23:36:48Z")
> [@slothjones](#): > > so mazda has a financing offer available right now for 1.9% APR either 36 or 60 months. doubt i would get the equivalent MF, but im open to hearing otherwise for sure The financing rate is totally irrelevant. You need to find out what buy rate is and then structure your offer based on that. ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [July 6, 2025, 11:39pm UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/9 "2025-07-06T23:39:49Z")
> [@slothjones](#): > > Specific vechicle I want, MSRP, Sale price, Months/Miles, Residual, credit score, Incentives, Trade Value/Trade Owed, only first month + taxes DAS Always need to give rhe specific stock number, what incentives you qualify for, and your zip code/tax rate. Beyond that, there’s basically only two viable options. You either break down the deal in absolutely detail, listing every single number that goes into it with the final monthly/das or you offer only a monthly/das amount. All or nothing. Anything in between leaves room for ambiguity. Regardless, you need to make sure you have your calculations spot on before making an offer. ---
**Author:** ![Godzooky](https://leasehackr.b-cdn.net/letter_avatar/godzooky/32/5_5575768a8748004e209b776fc1b2916d.png) [@Godzooky](https://forum.leasehackr.com/u/Godzooky)\ **Post date:** [July 7, 2025, 12:27am UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/10 "2025-07-07T00:27:42Z")
I am glad you posted this I am also looking for a mazda lease for a cx-70 phev. I have all the same questions not sure if my calculations on lease calculator are realistic. If you are able to work a deal maybe you can share some information. ---
**Author:** ![slothjones](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/slothjones/32/230693_2.png) [@slothjones](https://forum.leasehackr.com/u/slothjones)\ **Post date:** [July 7, 2025, 12:36am UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/11 "2025-07-07T00:36:42Z")
Thank you very much ---
**Author:** ![slothjones](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/slothjones/32/230693_2.png) [@slothjones](https://forum.leasehackr.com/u/slothjones)\ **Post date:** [July 7, 2025, 12:39am UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/12 "2025-07-07T00:39:10Z")
I was also originally looking for a 70, seems the 90 has better lease pricing/negotiating room (more people want the 70 I think). So I’m basically switching to the 90 with the knowledge that I’ll prolly keep the 3rd row flat most of the time. I will definitely update with a new post and maybe link to it from here (not sure if allowed at the moment) ---
**Author:** ![slothjones](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/slothjones/32/230693_2.png) [@slothjones](https://forum.leasehackr.com/u/slothjones)\ **Post date:** [July 21, 2025, 1:22am UTC](https://forum.leasehackr.com/t/deal-check-reality-check-on-my-calculations/691263/13 "2025-07-21T01:22:31Z")
I signed yesterday, didn’t get the proper lease doc for uploading to this site though. wound up getting 70 phev PP. 6.52% off msrp (55842 sell price), 66% RV, .00157 MF, 9 MSDs for ~$1700 to get MF to .00085, 11k rebates, first month+MSD payment DAS. If you get this same deal you should be at ~$390-$400/month