New member here. I'm considering a new X1 xDrive for my wife. I'm looking for Convenience Package, Premium Package, Metallic paint, Leather, Apple Car Play. MSRP comes to exactly $44,000 plus $995 D&H, so $44,995. In March 2018 the same dealer quoted me a car with slightly different features (Metallic, leather, convenience, pkg, etc) with a $1,306 lower MSRP of $42,694 (+$995) for $349/mo x 36 @ 10K miles with $4,244 due at sign. So, for the $44K config I'm considering now, what would the estimated payment be? I'd like to be in the mid-300's. His first offer to me on this car was $429 x 36 @ 10K, with $3,851 due. Seems out of whack. Would $4.2k due at sign be reasonable to get to $350-ish/mo? I know he can stack a few incentives. USAA, corporate fleet, BMW CCA, etc.