Thanks to everyone that helped answer questions in the process and also to those that contributed to all the information in this forum.
Year, Make, Model, and Trim: 2020 BMW X3 xDrive30i SAV (Loaner)
MSRP: $52,300
Monthly Payment: $392 + tax ($432 total)
Drive-Off Amount: $2000 (first month payment + taxes + fees) + 3,150 (MSDs)
MSDs: 7
Months: 36
Existing Mileage: 3,800
Annual Mileage: 10,000
MF: 0.00145 (Adjusted 0.00110 after MSDs)
Residual: 56% (Adjusted 54.42% for 3,800 loaner miles)
Discount: 21.4%
Incentives: $2,000
Signed: September 2020
Leasehackr Score: 10.5 years
Packages: Convenience Package, Driving Assistance Package, 19" x 7.5" Y-Spoke Wheels, Live Cockpit Pro w/ Navigation, Heated Front Seats, Heated Steering Wheel.
Notes: I focused on the overall deal and was okay with the dealership running the numbers that worked best for them (e.g., the 21.4% discount took care of the high 0.00145 MF - 19.3% discount with 0.00099 MF resulted in similar numbers). It took a few weeks to get here but it was a pleasant experience with the dealerships I worked with and the quarter end timing also helped get to a decent deal. I had 2-3 very similar spec options across different dealerships that I considered. As I returned the 2017 X3, I’m hoping to receive the $350 disposition fee waiver and $300 credit for 28% unused mileage (pending confirmation from BMW FS).