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2016 BMW 3-series Lease Questions

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  • bakerrrm2bakerrrm2 Member Posts: 104
    Can you please provide figures for 2016 328i in South Carolina for 36 months with 10/12/15k a year?

    Also any lease cash? What should be the target discount on a 2016 model?

    Thank you!
  • MichaellMichaell Moderator Posts: 263,288
    bakerrrm2 said:

    Can you please provide figures for 2016 328i in South Carolina for 36 months with 10/12/15k a year?

    Also any lease cash? What should be the target discount on a 2016 model?

    Thank you!

    .00134 and 60% / 59% / 57%

    $1500 option allowance

    Minimum 7% discount before incentives.

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  • m5yatesm5yates Member Posts: 33
    edited February 2017
    Are there any difference in residuals for 320i vs 328i?
    Looking at 36/15k.
  • MichaellMichaell Moderator Posts: 263,288
    m5yates said:

    Are there any difference in residuals for 320i vs 328i?
    Looking at 36/15k.

    No difference.

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  • exaudiownerexaudiowner Member Posts: 22
    Wondering if I got a good deal... I think I did. Leasing a demo with 6000 miles on it. Has moonroof, heated front seats and drivers assist. 36 month 12 miles a year. Original MSRP was 44k and change. I'm paying 369 a month with tax with only 500 down. 
  • kapkanimdkapkanimd Member Posts: 136
    do you have the Feb 2016 328i 36m/12k residual and MF? Incentives this month? Thanks in advance!
  • kyfdxkyfdx Moderator Posts: 267,067

    Wondering if I got a good deal... I think I did. Leasing a demo with 6000 miles on it. Has moonroof, heated front seats and drivers assist. 36 month 12 miles a year. Original MSRP was 44k and change. I'm paying 369 a month with tax with only 500 down. 

    That looks very cheap

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  • kyfdxkyfdx Moderator Posts: 267,067
    kapkanimd said:

    do you have the Feb 2016 328i 36m/12k residual and MF? Incentives this month? Thanks in advance!

    .00134 MF and 59% residual
    $1500 option allowance

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  • exaudiownerexaudiowner Member Posts: 22
    kyfdx said:
    Wondering if I got a good deal... I think I did. Leasing a demo with 6000 miles on it. Has moonroof, heated front seats and drivers assist. 36 month 12 miles a year. Original MSRP was 44k and change. I'm paying 369 a month with tax with only 500 down. 
    That looks very cheap
    Exactly what I was hoping to hear! Car is lovely. 328i is amazing
  • mukamalimukamali Member Posts: 29
    edited February 2017
    What is the residual and MF on CPO 2016 328i with 5860mi. in Florida for 24/15k and 36/15k?

    Are there any Lease Incentives for it?

    Thanks!
  • MichaellMichaell Moderator Posts: 263,288
    mukamali said:

    What is the residual and MF on CPO 2016 328i with 5860mi. in Florida for 24/15k and 36/15k?

    Are there any Lease Incentives for it?

    Thanks!

    If it is a true CPO - meaning it has already been titled - we don't have any lease numbers.

    If it is a demo or loaner vehicle, then the numbers are .00134 and 63% or 57%. $1500 option allowance.

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  • mukamalimukamali Member Posts: 29
    It is a Demo. Thank you!
  • kyfdxkyfdx Moderator Posts: 267,067
    mukamali said:

    It is a Demo. Thank you!

    Subtract $1465 from the residual, to account for the current mileage.

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  • jae_hungjae_hung Member Posts: 4
    Hi guys. Just want to check what you guys think of below. It was listed under CPO, but it was actually used by BMW tech center. Is this technically a demo car then? It comes with CPO warranty; not new car warranty.

    2016 BMW 340i Sedan
    Mileage:5,975

    M SPORT PACKAGE
    NAVIGATION SYSTEM
    DRIVER ASSISTANCE PLUS
    TRACK HANDLING PACKAGE
    DRIVER ASSISTANCE PACKAGE
    COLD WEATHER PACKAGE
    LIGHTING PACKAGE

    36 mths/ 12k
    MSRP: $60,195.00
    Discounts: $12,958.00 (including all allowance)
    Final Selling Price: $47,237.00
    Purchase option: 34,142.55

    MF: 0.00085 (after 7 MSD)
    Monthly payment: $501.88
    Due at Signing: $3,850 (MSD) + $501.88 (1st mth) + $178.40 (Fees) = $4,530.28

    Monthly Payment: $501.88

    Please let me know what you think of the offer?

    Thank you!


    phung

  • kyfdxkyfdx Moderator Posts: 267,067
    jae_hung said:

    Hi guys. Just want to check what you guys think of below. It was listed under CPO, but it was actually used by BMW tech center. Is this technically a demo car then? It comes with CPO warranty; not new car warranty.

    2016 BMW 340i Sedan
    Mileage:5,975

    M SPORT PACKAGE
    NAVIGATION SYSTEM
    DRIVER ASSISTANCE PLUS
    TRACK HANDLING PACKAGE
    DRIVER ASSISTANCE PACKAGE
    COLD WEATHER PACKAGE
    LIGHTING PACKAGE

    36 mths/ 12k
    MSRP: $60,195.00
    Discounts: $12,958.00 (including all allowance)
    Final Selling Price: $47,237.00
    Purchase option: 34,142.55

    MF: 0.00085 (after 7 MSD)
    Monthly payment: $501.88
    Due at Signing: $3,850 (MSD) + $501.88 (1st mth) + $178.40 (Fees) = $4,530.28

    Monthly Payment: $501.88

    Please let me know what you think of the offer?

    Thank you!


    phung

    The residual looks about right, with the reduction for the miles (59% minus $1369 for mileage).
    .00085 MF with 7 MSDs

    Adding $925 acquisition fee to the sale price:
    I get $460/mo.+tax. That's about right, if tax rate is close to 9%.

    Low mileage BMWs get a CPO Elite warranty. It's for a total of 5 yrs/75K miles. It's still under the original new car warranty until 4 yr/50K from in-service date, though.

    But, if you can get the price under $500/mo, each SD is only $500, instead of $550, making your out of pocket for MSDs just $3500, instead of $3850.

    So, ask them to knock $75 off the price, or make a $75 CAP cost reduction.

    Pretty cheap payment for a $60K MSRP vehicle.

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  • jae_hungjae_hung Member Posts: 4
    Thanks for the feedback! Would not have thought of that few bucks make a big difference on Msd!  Thank you!

    I am in North Cal so tax sucks...  (9.25%).  
  • kyfdxkyfdx Moderator Posts: 267,067
    jae_hung said:

    Thanks for the feedback! Would not have thought of that few bucks make a big difference on Msd!  Thank you!

    I am in North Cal so tax sucks...  (9.25%).  

    Each SD is based on the payment, rounded up to the next $50 increment. So, just getting under $500 makes a difference.

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  • inadnptinadnpt Member Posts: 28
    Could you please give me the RV, MF and incentives for the following cars in Rhode Island and Florida:

    2016 328i
    2017 330i
    2017 230i

    Thank you!
  • kyfdxkyfdx Moderator Posts: 267,067
    inadnpt said:

    Could you please give me the RV, MF and incentives for the following cars in Rhode Island and Florida:

    2016 328i
    2017 330i
    2017 230i

    Thank you!

    36/15:

    .00134 MF

    2016 328i: 57% residual. $1500 option allowance
    2017 330i: 59% residual
    2017 230i: 55% residual

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  • inadnptinadnpt Member Posts: 28
    Sorry. I missed the miles/year. 10,000
    kyfdx said:

    inadnpt said:

    Could you please give me the RV, MF and incentives for the following cars in Rhode Island and Florida:

    2016 328i
    2017 330i
    2017 230i

    Thank you!

    36/15:

    .00134 MF

    2016 328i: 57% residual. $1500 option allowance
    2017 330i: 59% residual
    2017 230i: 55% residual
  • kyfdxkyfdx Moderator Posts: 267,067
    inadnpt said:

    Sorry. I missed the miles/year. 10,000


    kyfdx said:

    inadnpt said:

    Could you please give me the RV, MF and incentives for the following cars in Rhode Island and Florida:

    2016 328i
    2017 330i
    2017 230i

    Thank you!

    36/15:

    .00134 MF

    2016 328i: 57% residual. $1500 option allowance
    2017 330i: 59% residual
    2017 230i: 55% residual
    Add 3%

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  • MichaellMichaell Moderator Posts: 263,288
    inadnpt said:

    Sorry. I missed the miles/year. 10,000


    kyfdx said:

    inadnpt said:

    Could you please give me the RV, MF and incentives for the following cars in Rhode Island and Florida:

    2016 328i
    2017 330i
    2017 230i

    Thank you!

    36/15:

    .00134 MF

    2016 328i: 57% residual. $1500 option allowance
    2017 330i: 59% residual
    2017 230i: 55% residual
    Add 3% to the residual values

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  • therealdrostherealdros Member Posts: 10
    Could you please give me the RV, MF and incentives for 2016 BMW 340xi in Virginia, DC, and MD?
  • MichaellMichaell Moderator Posts: 263,288

    Could you please give me the RV, MF and incentives for 2016 BMW 340xi in Virginia, DC, and MD?

    What lease term and how many miles per year?

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  • therealdrostherealdros Member Posts: 10
    Michaell said:
    Could you please give me the RV, MF and incentives for 2016 BMW 340xi in Virginia, DC, and MD?
    What lease term and how many miles per year?
    Hi Michaell,

    Sorry -- 12k over 36 months with no cash down. I'm being offered $727 monthly with no cash down for a new 2016 340xi sedan with 36 miles below:

    Included Packages & Options
    Technology Package
    M Sport Package
    Driver Assistance Package
    Cold Weather Package


    Marker Selling Value Price: 58,045.00
    Adjusted Price: 49,995
    Nitrogen: 99.00
    Freight: 995.00
    Total purchase: 51,089.00
    Processing Fee: 299.00
    Tax: 2,132.60
    Non-tax fees: 121.50
    Net price: 54,567.10
    Balance: 54,567.10

    Please let me know if this is a good offer for MD/VA states.
  • MichaellMichaell Moderator Posts: 263,288


    Michaell said:

    Could you please give me the RV, MF and incentives for 2016 BMW 340xi in Virginia, DC, and MD?
    What lease term and how many miles per year?

    Hi Michaell,

    Sorry -- 12k over 36 months with no cash down. I'm being offered $727 monthly with no cash down for a new 2016 340xi sedan with 36 miles below:



    Included Packages & Options

    Technology Package

    M Sport Package

    Driver Assistance Package

    Cold Weather Package





    Marker Selling Value Price: 58,045.00

    Adjusted Price: 49,995

    Nitrogen: 99.00

    Freight: 995.00

    Total purchase: 51,089.00

    Processing Fee: 299.00

    Tax: 2,132.60

    Non-tax fees: 121.50

    Net price: 54,567.10

    Balance: 54,567.10



    Please let me know if this is a good offer for MD/VA states.


    .00134 and 59%.

    With your prices, I get $683/mo - about $1600 difference over the life of the lease.

    Confirm with the dealer what adjusted cap cost they are using -if it's the $54,567, then they are marking up the MF for extra profit.

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  • therealdrostherealdros Member Posts: 10
    Michaell said:
    Michaell said:
    Could you please give me the RV, MF and incentives for 2016 BMW 340xi in Virginia, DC, and MD?
    What lease term and how many miles per year?
    Hi Michaell,

    Sorry -- 12k over 36 months with no cash down. I'm being offered $727 monthly with no cash down for a new 2016 340xi sedan with 36 miles below:

    Included Packages & Options
    Technology Package
    M Sport Package
    Driver Assistance Package
    Cold Weather Package


    Marker Selling Value Price: 58,045.00
    Adjusted Price: 49,995
    Nitrogen: 99.00
    Freight: 995.00
    Total purchase: 51,089.00
    Processing Fee: 299.00
    Tax: 2,132.60
    Non-tax fees: 121.50
    Net price: 54,567.10
    Balance: 54,567.10

    Please let me know if this is a good offer for MD/VA states.
    .00134 and 59%. With your prices, I get $683/mo - about $1600 difference over the life of the lease. Confirm with the dealer what adjusted cap cost they are using -if it's the $54,567, then they are marking up the MF for extra profit.
    Michaell,

    Thanks for the info. Dealer said they used the cap cost of $51, 089. Based off which MF and residual did you calculate to get the $683/mo?
  • MichaellMichaell Moderator Posts: 263,288
    edited February 2017


    Michaell said:


    Michaell said:

    Could you please give me the RV, MF and incentives for 2016 BMW 340xi in Virginia, DC, and MD?
    What lease term and how many miles per year?

    Hi Michaell,

    Sorry -- 12k over 36 months with no cash down. I'm being offered $727 monthly with no cash down for a new 2016 340xi sedan with 36 miles below:



    Included Packages & Options

    Technology Package

    M Sport Package

    Driver Assistance Package

    Cold Weather Package





    Marker Selling Value Price: 58,045.00

    Adjusted Price: 49,995

    Nitrogen: 99.00

    Freight: 995.00

    Total purchase: 51,089.00

    Processing Fee: 299.00

    Tax: 2,132.60

    Non-tax fees: 121.50

    Net price: 54,567.10

    Balance: 54,567.10



    Please let me know if this is a good offer for MD/VA states.


    .00134 and 59%.

    With your prices, I get $683/mo - about $1600 difference over the life of the lease.

    Confirm with the dealer what adjusted cap cost they are using -if it's the $54,567, then they are marking up the MF for extra profit.

    Michaell,

    Thanks for the info. Dealer said they used the cap cost of $51, 089. Based off which MF and residual did you calculate to get the $683/mo?


    .00134 and 59%, as quoted above.

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  • inadnptinadnpt Member Posts: 28
    Hello, I went to the dealer today considering the lease of a demo. I saw a 2016 328i with Driver Assistance Package, M Sport Package with 20K driven miles.

    MSRP: $45,295 - Sell Price posted online: $36,795

    What should be the residual and MF of this car in Florida for 24/10k and 36/10k?
    Are there any Lease Incentives for it?

    I haven't done my research (hence this post), but I think the initial numbers that the the sales person gave me seem outrageous. Correct me if I am wrong:

    $2,000 down (including last payment of $402 on my current lease)
    36m/10k
    $481 with 7% tax

  • MichaellMichaell Moderator Posts: 263,288
    inadnpt said:

    Hello, I went to the dealer today considering the lease of a demo. I saw a 2016 328i with Driver Assistance Package, M Sport Package with 20K driven miles.

    MSRP: $45,295 - Sell Price posted online: $36,795

    What should be the residual and MF of this car in Florida for 24/10k and 36/10k?
    Are there any Lease Incentives for it?

    I haven't done my research (hence this post), but I think the initial numbers that the the sales person gave me seem outrageous. Correct me if I am wrong:

    $2,000 down (including last payment of $402 on my current lease)
    36m/10k
    $481 with 7% tax

    .00134 and 66% or 60%. $1500 option allowance.

    However the 20,000 miles will reduce the residual by a cool $5000, or over $200/mo on a 24 month lease, or $140/mo for 36 months.

    Therefore, the selling price ought to be lower than the $36K they offered, to offset those miles. How much are they offering to discount a new 2016 (with 0 miles)?

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  • betrayedsoupbetrayedsoup Member Posts: 23
    2016 328 xdrive 36/10 MF and residual for March in MA?
  • MichaellMichaell Moderator Posts: 263,288

    2016 328 xdrive 36/10 MF and residual for March in MA?

    .00140 and 58%

    $1500 option allowance

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  • betrayedsoupbetrayedsoup Member Posts: 23
    Can you review this deal:

    2016 328 msport xdrive
    msrp- 51,775
    sale price -44,499
    residual- 58% @ 36/10
    mf .00140
    Rolling over 7 MSD's from my current lease
    1973 in upfront fees- first, doc, bank (925), registration

    499.11/ mo

    Hows it look?

  • MichaellMichaell Moderator Posts: 263,288

    Can you review this deal:

    2016 328 msport xdrive
    msrp- 51,775
    sale price -44,499
    residual- 58% @ 36/10
    mf .00140
    Rolling over 7 MSD's from my current lease
    1973 in upfront fees- first, doc, bank (925), registration

    499.11/ mo

    Hows it look?

    $470/mo plus tax; if you are in MA with a tax rate of 6.25%, then the payment is correct, to the penny.

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  • betrayedsoupbetrayedsoup Member Posts: 23
    Michaell said:

    Can you review this deal:

    2016 328 msport xdrive
    msrp- 51,775
    sale price -44,499
    residual- 58% @ 36/10
    mf .00140
    Rolling over 7 MSD's from my current lease
    1973 in upfront fees- first, doc, bank (925), registration

    499.11/ mo

    Hows it look?

    $470/mo plus tax; if you are in MA with a tax rate of 6.25%, then the payment is correct, to the penny.
    Would you consider it a good deal?
  • MichaellMichaell Moderator Posts: 263,288

    Michaell said:

    Can you review this deal:

    2016 328 msport xdrive
    msrp- 51,775
    sale price -44,499
    residual- 58% @ 36/10
    mf .00140
    Rolling over 7 MSD's from my current lease
    1973 in upfront fees- first, doc, bank (925), registration

    499.11/ mo

    Hows it look?

    $470/mo plus tax; if you are in MA with a tax rate of 6.25%, then the payment is correct, to the penny.
    Would you consider it a good deal?
    14% off sticker is a good deal, for a BMW.

    And, the MSD makes it even better, as you'll get that money back, at the end of the lease.

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  • bananacalfbananacalf Member Posts: 17
    What is the target % off the sticker for 2016 BMW 328i xDrives? Will I ever be able to get up to the high teens/low 20s?

    I`m looking at a offer right now that's 13% off already -- I feel like it can go down further but, I`m not sure at what point the dealer will laugh it off.
  • MichaellMichaell Moderator Posts: 263,288

    What is the target % off the sticker for 2016 BMW 328i xDrives? Will I ever be able to get up to the high teens/low 20s?

    I`m looking at a offer right now that's 13% off already -- I feel like it can go down further but, I`m not sure at what point the dealer will laugh it off.

    We don't track selling prices, but 13% off seems pretty good.

    Only way to know if you can get more is to ask. At some point, the dealer will say no.

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  • bananacalfbananacalf Member Posts: 17
    Michaell said:
    What is the target % off the sticker for 2016 BMW 328i xDrives? Will I ever be able to get up to the high teens/low 20s? I`m looking at a offer right now that's 13% off already -- I feel like it can go down further but, I`m not sure at what point the dealer will laugh it off.
    We don't track selling prices, but 13% off seems pretty good. Only way to know if you can get more is to ask. At some point, the dealer will say no.
    To that point what are the residual/MF for a 2016 328i x drive in St Louis. What I've received so far is .0018 seems way too high for a full model year
  • MichaellMichaell Moderator Posts: 263,288


    Michaell said:

    What is the target % off the sticker for 2016 BMW 328i xDrives? Will I ever be able to get up to the high teens/low 20s?

    I`m looking at a offer right now that's 13% off already -- I feel like it can go down further but, I`m not sure at what point the dealer will laugh it off.

    We don't track selling prices, but 13% off seems pretty good.

    Only way to know if you can get more is to ask. At some point, the dealer will say no.

    To that point what are the residual/MF for a 2016 328i x drive in St Louis. What I've received so far is .0018 seems way too high for a full model year


    .00140 is the base MF this month, your dealer is marking up the MF the max allowed to offset that big discount.

    We're seeing more and more of that - either a big discount from sticker and a marked up MF, or a smaller discount and the base MF. Can't seem to get both.

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  • bananacalfbananacalf Member Posts: 17
    Michaell said:
    Michaell said:
    What is the target % off the sticker for 2016 BMW 328i xDrives? Will I ever be able to get up to the high teens/low 20s? I`m looking at a offer right now that's 13% off already -- I feel like it can go down further but, I`m not sure at what point the dealer will laugh it off.
    We don't track selling prices, but 13% off seems pretty good. Only way to know if you can get more is to ask. At some point, the dealer will say no.
    To that point what are the residual/MF for a 2016 328i x drive in St Louis. What I've received so far is .0018 seems way too high for a full model year
    .00140 is the base MF this month, your dealer is marking up the MF the max allowed to offset that big discount. We're seeing more and more of that - either a big discount from sticker and a marked up MF, or a smaller discount and the base MF. Can't seem to get both.
    I ended up going with another dealer. The current offer I have is:

    2016 - 0 miles.
    MSRP: 47,195
    Selling: 37,995.00 (Includes fleet discount and they said also the monthly cash rebate)
    MF. 0012 (Fleet discount mf)

    It may look like this is close to 20% off MSRP but.. the Dealer + fleet is 3,000 off. So we're really sitting at 13% of MSRP. Is there still wiggle room?
  • MichaellMichaell Moderator Posts: 263,288



    Michaell said:


    Michaell said:

    What is the target % off the sticker for 2016 BMW 328i xDrives? Will I ever be able to get up to the high teens/low 20s?

    I`m looking at a offer right now that's 13% off already -- I feel like it can go down further but, I`m not sure at what point the dealer will laugh it off.
    We don't track selling prices, but 13% off seems pretty good.

    Only way to know if you can get more is to ask. At some point, the dealer will say no.

    To that point what are the residual/MF for a 2016 328i x drive in St Louis. What I've received so far is .0018 seems way too high for a full model year
    .00140 is the base MF this month, your dealer is marking up the MF the max allowed to offset that big discount.

    We're seeing more and more of that - either a big discount from sticker and a marked up MF, or a smaller discount and the base MF. Can't seem to get both.
    I ended up going with another dealer. The current offer I have is:

    2016 - 0 miles.
    MSRP: 47,195
    Selling: 37,995.00 (Includes fleet discount and they said also the monthly cash rebate)
    MF. 0012 (Fleet discount mf)

    It may look like this is close to 20% off MSRP but.. the Dealer + fleet is 3,000 off. So we're really sitting at 13% of MSRP. Is there still wiggle room?


    I don't shop in that price bracket - no idea how much lower the dealer is willing to go.

    But, it can't hurt to offer what you think is fair and see what the dealer says.

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  • bananacalfbananacalf Member Posts: 17
    If the BMW 3s are under 5k miles the same residual applies as if they were new?
    Is it fair to request the dealer to take more off based on the mileage even if it's at 4k?
  • MichaellMichaell Moderator Posts: 263,288

    If the BMW 3s are under 5k miles the same residual applies as if they were new?
    Is it fair to request the dealer to take more off based on the mileage even if it's at 4k?

    No, deduct .25 per mile.

    But, you'll want a bigger discount from sticker to offset that.

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  • bananacalfbananacalf Member Posts: 17
    2016 BMW 3 Series 340i 36k/12?

    Also will they stop leasing the 2016 3s in April?
  • MichaellMichaell Moderator Posts: 263,288

    2016 BMW 3 Series 340i 36k/12?

    Also will they stop leasing the 2016 3s in April?

    .00140 and 57%. $1500 market allowance.

    There will be no notice on when support ends for the 2016 models. Anybody who tells you they know is not telling the truth.

    It is certain, however, that support will end eventually.

    If you want one, now is likely the time to get one.

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  • talbotyancytalbotyancy Member Posts: 13
    Hi,

    Is it true BMW offers incentives to dealers on purchase only? I tried to lease the linked car using the price quoted on their Web site, but the sales manager told me I couldn't get that deal if I was leasing the car. It's a 2016 340i xDrive with a sticker of $61,915 listed at $53,893, which is $8,022 off. He wouldn't give me that price because it included "purchase-only" incentives.

    Any thoughts would be appreciated.

    http://www.cooperbmw.com/auto/new-2016-bmw-3_series-340i_xdrive-edmond-73013-ok/13541129/

    Thanks,
    -R
  • MichaellMichaell Moderator Posts: 263,288

    Hi,

    Is it true BMW offers incentives to dealers on purchase only? I tried to lease the linked car using the price quoted on their Web site, but the sales manager told me I couldn't get that deal if I was leasing the car. It's a 2016 340i xDrive with a sticker of $61,915 listed at $53,893, which is $8,022 off. He wouldn't give me that price because it included "purchase-only" incentives.

    Any thoughts would be appreciated.

    http://www.cooperbmw.com/auto/new-2016-bmw-3_series-340i_xdrive-edmond-73013-ok/13541129/

    Thanks,
    -R

    The only incentive I see for leasing 2016 3-series is the $1500 market allowance.

    Shoot for 7% off sticker, before applying the $1500 - roughly $56K

    No information on purchase only incentives.

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  • talbotyancytalbotyancy Member Posts: 13
    Sounds like he may have been correct, then. I prefer the $8k off!
  • camstantcamstant Member Posts: 10
    Hello,

    I received a quote on a 2016 320i xDrive that is part of the loaner program, so it has ~5400 miles on it. Kansas City.

    36/12 lease

    MSRP: 40,240
    Selling Price: 30,877
    Residual: 20,052
    MF: 0.00180

    Monthly = $475.60/mo (including $38.17/mo in taxes), with $0 down

    Would appreciate any thoughts on this quote. Thanks!
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