Signed 2019 Volvo S60 Momentum T5 $438/mo, $438 DAS, no money down

How come I couldn’t get this kind of deal in CA? On 7/31, I drove 3hrs in signing my birch light Volvo S60 T5 Momentum /Premium & Multimedia package, Linear Lime Deco Inlay, Heated seats and steering wheel, 19” wheels for $500 driveoff $419 w/tax (I added wear & tear coverage so $434/tax) in a 36mth lease but I got only 7500miles/yr. Dealership told me it’s a loaner but it has only 10miles on it (3mth XM trial is xpired already so they have been giving me 3 full tanks of gas so far as a replacement.) My $ factor was 0.00047 with a 57% residual (I was shopping A4 45tfsi Quattro premium plus as well & the $ factor was 0.00015 only still payment has to be $500+ with a 50% residual.)