I did reach out to others and I got all the same quotes. Nothing better so far.
Wondering if straight from dealer will be better?
Or brokers can get a better deal.
I did look into loaner, is about $25/30 less a month. I didnāt get a huge saving.
You know, brokers do read these threads too 
All levity aside, itās really up to you at this point. How much more do you want to put into this? Is the time/effort worth it to you to go searching for your own deal; or do you go with a broker to save you the time/effort? 
Who knows what inventories will look like, who knows what incentives are available down the road. If youāre not in a rush, and in it for the āchaseā, maybe this is the route for you. Good luck!
Thanks for the feedback.
For 90% customers, brokers get a better deal. Some people in the other hand can do better, it really depends on which category do you fall into. If you arenāt seeing much savings from a broker than ya just oullbthe trigger. Would still advice doing msd
I would do MSD to lower payment but I really canāt pull out extra cash out of pocket.
Overall I think the broker quote is not bad. I see dealer will match that but with a much lower Msrp and lower trim.
I hope you havenāt wasted any of the brokerās time before cross shopping him yourself. Thatās a bit disrespectful.
You can definitely find a better deal than what heās quoting you. A loaner should easily be more than $25-$30 less than this. I saw several loaners on the west coast that were more aggressive than this just a couple weeks ago when shopping X5s for people.