This would MB financing. They are not planning to buy their current car, they may end up turning it in a few months early to get into a new MB (almost identical car). Their current lease is at about $775 if you break down the One Pay so 4 months early is a few $$ that they are not using. One dealer offered the 5K as a cap cost reduction or equity as compensation, even though when I did an estimate on Carmax or one of those (I forget, just wanted a ballpark), they would be about $1K underwater if they bought the car so no real major equity but who turns down free money! They have very low mileage and the car has been garaged