You arent actually getting 10% off. Remember you need to factor in the miles 6500 miles is $1300. You want to be at 10-12% off msrp pre incentive INCLUDING the miles if you want a unicorn deal.
To uh… build off what Keith has said, you’re charged 20 cents per mile as a residual adjustment - you’ll turn the car in with more miles than a new car, so they (VFS) have to be compensated.
It’s a loaner with 6,500 miles AND a B5, remember? Has to be at least 15% to make any sense. Someone just posted a new 24 B5 for under $500/mo on 24 months.