I’ve had dealers in the DMV (DC, MD, VA) area offer 9.5% off MSRP before incentives. Two through Costco Auto and one matching Costco. One offered 9.6% to beat the other 3, but didn’t have my color preference. Around 10 told me they wouldn’t do more than 5% or 6%. I had better success with metro area dealers and multi-location dealers. Ive seen other posts here range from 4.5% to 7.8% off but monthly payments very pretty significantly based on region and term.
All dealers I spoke with had dealer/doc fees ranging $500 to $799 and I wasn’t able to get them to budge there. Some states cap dealer fees much lower so hopefully yours does.
One of the trusted hackrs advised to shoot for 10% off msrp and no doc fee but inventory seems to be an issue. Most dealers I spoke with sold out of their November SRs, but December allotments are rolling in. They don’t seem to sit on the lot long enough to have much leverage. I’ve had two sold while I was waiting to confirm final numbers. Not fun.
What is your region? The 36mo/12kmi residual in the mid atlantic and midwest is 82% but the money factors are slightly higher than what you show here. Definitely confirm these for your region in the Edmunds 2021 Tacoma Lease deals forum. I’ve found that the 24mo/12k term to be the best deal in several regions.
If you’re able to get gap insurance, maybe consider doing a 1-pay lease to lower you money factor .001? Especially if you’re in a region with the 24mo 88% residual.
I gave the calculator a shot but I’m not sure of the fees and tax (guessing you’re in CA) so maybe someone can confirm. Seems like you’re at 9.2% preincentive (unless there is lease cash factored in the selling price then it’s lower) but the TFS region’s mf and rv is hurting the deal.