I tried to answer your questions best I could:
- Maker/Leasing company has a base money factor set every month. Does the dealership tell us what this is ?
They may tell you, they may not, it’s in your best interest to either become a super supporter here for access to the programs or go to the appropriate make / model forum on Edmunds and ask what mf / rv / incentives are for the vehicle you are looking for in your area code.
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Dealer can mark this up, but they have to tell you how much they did?
No, they aren’t required to disclose the mf markup, however, see answer to question 1 above, then you would know if they are marking it up. -
MF can be reduced via security deposits that are refundable? Yes
- What happens to these if there is total loss insurance claim ? They are still refunded.
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MF can be reduced by one time lease pay? Yes
- What happens to these if there is total loss insurance claim ? A refund of the pro-rated amount would be issued.
Have you read all the articles and watched the video on LH 101? It would be pretty beneficial to your understanding. https://leasehackr.com Also the search function covers these questions and scenarios in depth as they have been asked numerous times over the years.
As always we really recommend that you make an offer to a dealer based on the base mf vs “seeking quotes” and if they need to raise the discount more in exchange for a higher mf then that’s ok provided they meet your target deal that is aggressive but still within reality.