How is this deal Volvo S90 T5 AWD?

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2018 Volvo S90 T5 AWD momentum

MSRP: $60190
Selling Price: $50764
Monthly Payment: $483 tax inc
Down Payment: $1600 drive offs
MSD: 0

Months:36
Annual Mileage:12k
MF: .00048
Residual: 53%