If the concern is return on investment may I also be so bold as to suggest security deposits?
On the offer we sent, you’d save $41/mo (x35) with max security deposits (7) which would be 24% return over 3 years.
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Here is my updated build, paying costs upfront which was recommended in $5,000 down. Still have a lousy score. However the payment looks better and I could certainly pay the down payment. Thanks for the feedback on the zero down.
You’re still paying the exact same amount. You’re just pre-paying it with a down payment. If you want to pay something at signing, pay first + fees.
You’re getting an okay discount (but the $1,000 discount is built-in there, so the discount is eroded), but the doc fee in Florida is high, and in no way, shape or form should registration be over $350, let alone $1,000 more. That also makes this a poor deal.
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If you want to do $0 DAS then do $0 DAS. There is nothing wrong with that and it would certainly be recommended over $8k DAS or whatever is in your last calculator update above (that is way too much).
Just understand that you are paying interest on everything you roll in to the cap cost, so your total lease cost will be slightly higher. The flipside is you don’t have to come out of pocket for thousands at signing.
I do $0 DAS or only 1st month payment DAS on practically all my leases.
Overall this deal itself doesn’t look that bad, it’s just the sad reality of BMW leases today (especially non-EV) that $900/mo sign and drive will only get you a 330.
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Cmon we gotta beat around the bush now?
OP:
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He could have had a Pilot for $900 
Or $300 per month left over after an RS Etron GT
Now we’re just on the other extreme of things rattling off unicorn deals which is just as unreasonable and even less common than the deal OP brought to the forum to review.
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Just contact one of the dealer and see what they can offer you. No hassle. No stress.
I wish you a speedy recovery. Hope you pull through and aren’t consumed with regret again in a year.
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