Got the car - here’s the final. Got these numbers after having more than 10 dealerships in SoCal bid and just trying to see which one was willing to give me the best deal. Ended up being VW Van Nuys, ask for Farshid.
2016 Jetta SE Auto
$0 Drive Off, $0 Down, $0 Due at Signing, whatever you call it.
MSRP $21,315
Residual 52%
MF .00005
Monthly: $171+tax
Selling Price: $16515