You’re money factor is going to be buying a boat for the Finance guy. Also INB4 the mllcb 1% rant, forget you saw it, it means nothing.
Someone was asking for a 3 series with a 580, industry people said no way, even with cosign.
Read this, personally, I feel you shouldn’t be looking for a lease on anything with that stuff. I’m making 20k+ a year post tax (yes I did my deductions correctly, I got a 1.5k refund last year) with no expenses living at home in HS, and I still feel guilty even looking at anything beyond 100/month, even a 240/pm Volvo wagon.