We need more info but $454/month feels very high. X2 sales are garbage and BMW wants to move these cars so look for a deep discount on the '18 X2s. I would assume an '18 X2 with FWD could get into the mid or even low 300s.
What is the RV and MF?
Residual is 59%. Money factor is .00218
There’s a lot of garbage there. The MF is marked up. Discount before rebates is only 10% (you should be able to get at least 13-15% on this model). That doc fee looks crazy high and you’ve got the $399 permaplate. There’s definitely a lot of room to move on this one.
Dealer is firm on it’s 10% discount (for a 2018) and the doc fee is “a corporate fee, non negotiable” so I am declining the offer.