What’s a good price for 2020 or 2021 X5 xdrivei40AWD in Virginia or Maryland

What’s a good price for 2020 or 021 X5 xdrivei40AWD in Virginia or Maryland
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Just curious on incentives
Said I would get a better deal to finance and the pay off at 6 month time frame
$3000 BMW to dealer incentive
0.9% APR up to 60 months
2021
$2500 BMW to dealer incentive
1.9% APR up to 60 months
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In a normal year I would buy my car in late December because dealers were motivated to make their numbers
In this COVID environment wondering if it really matters
Focusing on 2021 X5 xdrivei40AWD in Virginia or Maryland.
Anyone have a good experience and obtain a good price
On your factory delivered X5 did you pay cash or finance