Thank you @rkinra for the reply again!
He refused to give me worksheet as he thinks his quote is too aggressive. He shared…partial screenshot (yes partial, not full) in 240x240 pixels image…(yes it is that tiny). Zoomed in photoshop and I have the following numbers
MSRP: 65,020
L.E.V. Rt/Amt: 59%, $38,361.80
Initial CAP COST: $58,175
Customer Cash Down: $3,000
Total Cap Reduction: $4,3226
Adjusted Cap Cost: $54,773
Money Factor: 0.00152
Term: 36
Rebate: $3,000
Acq. Fee: $116
Total Add Cap Cost: $925
License Fee: $489
Cash Cap Reduction: $1326
Base Monthly: $623
Total Working Cash: 3,000
I still can’t add up these numbers against his monthly quote as his screenshot is partial. It’s missing other fees. It still looks better other my other quotes (including Greg’s from your recommendation). I think I will bite it soon.