Thanks to Leasehackr and specifically posts like this I just did the follow deal yesterday in Texas:
S90 T8 Inscription
36/10k
MSRP: $77,190
Sale Price: $53,248 (after all discounts; MSRP discount was to $65k before incentives)
Tax / Fees: $4,750 (we pay tax on the whole net purchase price up front in Texas; includes first month pmt)
State Rebate: $2,500 (can’t be included in cap cost reduction)
Net Tax/Fees: $2,250
MSDs: $5,000
$492/mo
Total expense: $19,962 for $77,190 MSRP
BTW, like 10 dealers told me I was nuts for asking for this deal, but one said yes with no negotiating at all. Luckily they were only 200mi from my home.
Thanks again to everyone on this forum and btw I’m going to be making a donation to the site as well.