I have a 2019 Tacoma lease offer with a great 86% RV but a 0.00275 (6.6%) MF. I can use MSD’s (9) to reduce the MF to 0.00203 (4.872%). Any suggestions to get a lower MF?

The Money factor is set by the lender based on your credit. If that’s the Tier 1 buy rate, it is what it is. MSD can lower it, or you could look at what rates credit unions or third party banks are offering. The residuals and incentives will probably be different though.