This is a disaster conversation.
OP… nice deal on a solid car in a very tough market right now.
Thanks.
No one did answer me if there were any other cars I should have considered.
Not questioning your math here. But as an educational question for me, how did you calculate 8.5% tax free?
(12×.00005×number of msds*(adjusted cap cost+residual value)/(cost of msds)
Ouch, someone clearly got their heart broken by Volvo before 
OT: OP regardless of what others say I hope you genuinely do enjoy the vehicle I know personally the XC90 can be a joy to drive. Learn from your past mistakes regardless of what they might be and use this as a reference point for your next lease hack. It’s not easy getting what you want especially in today’s market. The deal you shared will definitely help other hackers on here.
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People have been asking me for the Dealer Rep I dealt with. It was Prestige Volvo Englewood NJ. Talk to Nick.
C 973 417 0854 TEXT FIRST. nnutkis@prestigevolvo.com