New Volvo S60 R Design 2019 with Advanced Package

I am planning to sign on below deal . Please suggest or comment on deal .

Year, Make, Model, and Trim:

2019 – R Design - Volvo with Advanced Package

Color : Grey with Black Interior

MSRP: $ 52090
**Selling Price: $**430009.53
**Monthly Payment: $**455
**Cash Due at Signing: $**1000
Incentives: Costco 3000+ Volvo 2000

**Annual Mileage:**12K

Leasehackr Score: 9.6

Mf should be 0.00081 and with msd x10 can be 0.00031 which can save you like 40 dollars.

Pretty nice deal with the mf changed

Please comment on below , I have got another deal from different dealer :

Vehicle Volvo
Model 2019
Trim T6 Inscription
Packages Advanced
MSRP including Destination Fee $52,760.00
Selling Price $41,196.60
Residual Value $30,600.80
Money Factor .00082
Miles/Term 12K/36 Months
DAS 427.51
Monthly Payment Including Tax 427.51

Very nice still can do MSD x10 to reduce mf to 0.00031

Those are impressive numbers, are they replicable? I am certainly interested at a 22% discount.