If there is a chorus of people saying the same thing, you should probably listen. You’re not being treated badly, you’re being treated like somebody who really needs somebody else to help them handle their finances.
If you cannot afford to pay the $8K of negative equity off in cash, you should take out a balance transfer credit card with 0% intro APR for 12-18 months, cash a check from that credit card for a 3% one time fee and pay that off in equal installments over the term. You should not be rolling it into a BMW lease where you’ll pay sales tax @ 6-7% and 5% APR, full stop.
If you do not have the cash to pay down the negative equity or the credit score to get a 0% intro credit card, you should not be buying a BMW. But hey, like everybody here is saying, if you want to make another stupid financial decision that you’ll regret in 12 months, go ahead.
e/ I’ve done the math for you and using the standard BMW mf and a tax rate of 6.25% for Houston TX, the total of your payments to escape $8K of negative equity is $9.1K over the 3 year period.