I understand there are many variables such as the makeup of the lease costs, especially the extra line items, taxes etc. But as a general guideline do you have a target you try and hit as far as RV vs Payments+Cash spent. I see people on Reddit negotiating good Out-the-door prices as an excellent ‘…

RV is dictated by the lessor/bank and are non-negotiable, fixed, depending on the terms of the lease. No one can change it and there are no exceptions for “adjustments”. When the RV is high, the lessor is essentially taking on the risk and betting that they will get an asset high in value back at t…

Thanks for replying, I should clarify, here is an example post I saw on reddit… Bank declares a Delta of -$2,250 depreciation from Selling Price to RV over 24 months, then quotes the customer $1500 cash down (not DAS) and $355 a month with a MF of say 0.002. Customer is paying $9,720 for a declare…

You’re mixing up quite a few things here… it would be easier to ask the poster for their deal sheet to break it down. For starters, depending on your state, tax is typically in the monthly payment, not on the total value of the vehicle. Exceptions are TX, VA… And you noted $1500 cash down (not DAS)…

My short answer is to play around w/ the calculator, which will explain where the $ is going. Did these reddit posters upload a copy of their contract?

i’m definitely confused and hoping to understand better, all guidance appreciated, I’m not basing this on something specific to me, just trying to learn how to identify a good deal from slight of finance hand. :grinning:

[nmxiri4skl4d1] Here is the example that started the questions in my noggin, I simplified the figures a little for my post but the question stands, what do you guys think?

Spend time in the Wiki or Google to learn how a lease is actually calculated. Formulas, etc. [image] How To Calculate Lease Payments By Hand — Leasehackr What is a money factor anyway?

Plug it into the LH calculator and it’ll be clearer to you. Btw, rebates are also taxed.

OK I did it here, so my numbers were a bit off, but not too wild, the rental charge is the part I was missing, looks to be approx ~8% of the cap cost, is that about average?? <a href="https://leasehackr.com/calculator?make=Hyundai&miles=12000&msrp=52750&sales_price=49650&months=24&mf=0.00244&msd=0&dp=0&dealer_fee=594&acq_fee=650&disp_fee=400&taxed_inc=0&untaxed_inc=10400&rebate=0&resP=70&gov_fee=275&sales_tax=11&demo_mileage=0&memo=&tradein=0&fin_sp=52750&fin_taxed_fee=0&fin_untaxed_fee=0&fin_term=60&fin_apr=0&fin_dp=0&fin_rebate=0&fin_ps_rebate=0&fin_tax=0&keep_term=60&exp_rv=0&service_fee=0&monthlyTax_radio=true&cap_tax=true&bmw_demo_25=true&lease_result_mode=true" rel="noopener nofollow ugc">CALCULATOR | LEASEHACKR

You put CA, but your picture says PA. This is horrible for CA as broker here are in the low $200s with 2k down.

What % of total lease cost is reasonable to expect to go against RV?

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bdog101 June 4, 2024, 9:00pm 13

I was interested in this thread and come to find out it’s my deal you’re discussing lol. Hopefully I gain some valuable info