Thanks! Using that money factor, I tried to recreate the lease special that BMW is offering now, to see if I could arrive at the same monthly payment and money down as advertised on BMW's web site (using one of the many lease calculators floating around). I figure if I can do that, then I'll be in a better position to negotiate my lease.
Here's what I pulled from the BMW web site for Feb 2016 for the 428xi Convertible: MSRP $52,995 (this includes a dealer acquisition fee of $995) Cap cost reduction $3000 Option allowance $1,250 Monthly payment $569 (excluding sales tax, title, license, registration and dealer fees)
Now, with the .00132 MF and the 60% residual, and with the inputs above, the monthly payment comes out to $613 not $569. But by reducing the MSRP by $1,500 ..... the monthly payment becomes $569. Note, for purposes of this calculation, I ignored the $1,250 allowance since the hypothetical car in the BMW advertisement did not mention any options.
So, I think that means the Feb lease special is actually a $1,500 reduction in the MSRP, along with the $1,250 option allowance. Is that correct? If so, does that mean that the first $1,500 I negotiate off of the MSRP does not come out of the dealer's pocket at all? Therefore, I should be able to negotiate an even larger reduction in MSRP since the manufacturer is funding the first $1,500? And, in addition, I should be getting a $1,250 reduction in my options. So, for example if I choose the leather option at $1,550 I should only be charged $300?
Thanks for your patience, this is the first time I'm doing a lease, so I want to make sure I understand all the moving parts before I go back to the dealer.
Thanks! Using that money factor, I tried to recreate the lease special that BMW is offering now, to see if I could arrive at the same monthly payment and money down as advertised on BMW's web site (using one of the many lease calculators floating around). I figure if I can do that, then I'll be in a better position to negotiate my lease.
Here's what I pulled from the BMW web site for Feb 2016 for the 428xi Convertible:
MSRP $52,995 (this includes a dealer acquisition fee of $995)
Cap cost reduction $3000
Option allowance $1,250
Monthly payment $569 (excluding sales tax, title, license, registration and dealer fees)
Now, with the .00132 MF and the 60% residual, and with the inputs above, the monthly payment comes out to $613 not $569. But by reducing the MSRP by $1,500 ..... the monthly payment becomes $569. Note, for purposes of this calculation, I ignored the $1,250 allowance since the hypothetical car in the BMW advertisement did not mention any options.
So, I think that means the Feb lease special is actually a $1,500 reduction in the MSRP, along with the $1,250 option allowance. Is that correct? If so, does that mean that the first $1,500 I negotiate off of the MSRP does not come out of the dealer's pocket at all? Therefore, I should be able to negotiate an even larger reduction in MSRP since the manufacturer is funding the first $1,500? And, in addition, I should be getting a $1,250 reduction in my options. So, for example if I choose the leather option at $1,550 I should only be charged $300?
Thanks for your patience, this is the first time I'm doing a lease, so I want to make sure I understand all the moving parts before I go back to the dealer.
Generally, you should be able to get 5-7% off the sticker price before applying any incentives.
Are the MF's and residuals the same for 2016's 428i Gran Coupes and regular coupes? Specifically looking for MF and residuals for 2015 and 2016 428i Gran Coupes assuming 10k and 12k miles per year, 24 and 36 months (seems like 36 months are the best program right now).
Are you hearing of huge discounts and/or special incentives on 2015 models?
I loved the dialogue re. the demo car above, as I'm hoping to find a 428i demo. - What is the "spec B" discount? - I understand the $.25/mile discount but how do you calculate the depreciation? If the car has been in service for six months, for example, would you calculate the depreciation as 41% (residual over 3 years) divided by 36 months (to calculate the monthly depreciation) multiplied by six months? I sorta made that up but it makes sense to me.
Can you guys tell me if this is a good deal on a lease?
2016 428i xdrive coupe 36 mo / 10k miles
MSRP: 45,545 Sale price: 43,645 MF: .00132 RV: 60%
Acquisition: 925 (looks marked up?) DMV: 185 Doc fee: 595 Tax on bank fee: 58.74 Tax on dmv/doc fee: 49.53
$581.69 per month (inc. tax)
Total w/ fees due at sign: 2,398.06
(Also a $700 transportation fee not added in above as the car is being sourced from out of state)
.00132 MF and 60% residual is correct. $1250 option allowance.
$925 is the BMWFS acquisition fee (markups not allowed).
$1900 off MSRP with a $600 doc fee doesn't look like a good deal. When you consider the $1250 customer incentive, you are basically paying sticker price.
With your numbers, I get $547/mo.+tax., which looks pretty close.
Are the MF's and residuals the same for 2016's 428i Gran Coupes and regular coupes? Specifically looking for MF and residuals for 2015 and 2016 428i Gran Coupes assuming 10k and 12k miles per year, 24 and 36 months (seems like 36 months are the best program right now).
Are you hearing of huge discounts and/or special incentives on 2015 models?
I loved the dialogue re. the demo car above, as I'm hoping to find a 428i demo. - What is the "spec B" discount? - I understand the $.25/mile discount but how do you calculate the depreciation? If the car has been in service for six months, for example, would you calculate the depreciation as 41% (residual over 3 years) divided by 36 months (to calculate the monthly depreciation) multiplied by six months? I sorta made that up but it makes sense to me.
Thanks for all of the help...
2016 coupes and GC have the same lease numbers, this month.
.00132 MF and 59% residual for 36mo, 12K/yr.
2015 coupe: .00132 and 56% residual. $1500 buildout allowance 2015 GC: .00132 and 58% residual. $1000 buildout allowance
Demo lease programs aren't calculated any differently than a new car. They just have lower residuals, because of the mileage (and, hopefully a lot lower selling price to make up for it). How long they've been in service has no effect on the lease.
You can't calculate depreciation by dividing 41%, unless you are paying sticker for the vehicle. You calculate depreciation as the difference between the CAP cost and the residual (which is a fixed percentage of MSRP).
Just closed the deal on a 2016 428i Xdrive GC jet black for 36 month/12k year lease $48,045 MSRP $489/month $0 down except taxes (NY), first month, DMV, and fees of $3480. Dealer originally wanted $599/month.
Dont have the specifics of negotiated price, Res factor on me currently but what do you guys think?
Can you guys tell me if this is a good deal on a lease?
2016 428i xdrive coupe 36 mo / 10k miles
MSRP: 45,545 Sale price: 43,645 MF: .00132 RV: 60%
Acquisition: 925 (looks marked up?) DMV: 185 Doc fee: 595 Tax on bank fee: 58.74 Tax on dmv/doc fee: 49.53
$581.69 per month (inc. tax)
Total w/ fees due at sign: 2,398.06
(Also a $700 transportation fee not added in above as the car is being sourced from out of state)
.00132 MF and 60% residual is correct. $1250 option allowance.
$925 is the BMWFS acquisition fee (markups not allowed).
$1900 off MSRP with a $600 doc fee doesn't look like a good deal. When you consider the $1250 customer incentive, you are basically paying sticker price.
With your numbers, I get $547/mo.+tax., which looks pretty close.
Thanks for the reply. The TMV is around 43k on edmunds with an invoice around $4k2. Do you think it is reasonable to get it down to that invoice price of 42k quoted on edmunds?
Is there another way I can find the invoice price on the particular vehicle or do I have to ask?
Can the $1250 customer incentive be used regardless of options, etc?
Can you guys tell me if this is a good deal on a lease?
2016 428i xdrive coupe 36 mo / 10k miles
MSRP: 45,545 Sale price: 43,645 MF: .00132 RV: 60%
Acquisition: 925 (looks marked up?) DMV: 185 Doc fee: 595 Tax on bank fee: 58.74 Tax on dmv/doc fee: 49.53
$581.69 per month (inc. tax)
Total w/ fees due at sign: 2,398.06
(Also a $700 transportation fee not added in above as the car is being sourced from out of state)
.00132 MF and 60% residual is correct. $1250 option allowance.
$925 is the BMWFS acquisition fee (markups not allowed).
$1900 off MSRP with a $600 doc fee doesn't look like a good deal. When you consider the $1250 customer incentive, you are basically paying sticker price.
With your numbers, I get $547/mo.+tax., which looks pretty close.
Thanks for the reply. The TMV is around 43k on edmunds with an invoice around $4k2. Do you think it is reasonable to get it down to that invoice price of 42k quoted on edmunds?
Is there another way I can find the invoice price on the particular vehicle or do I have to ask?
Can the $1250 customer incentive be used regardless of options, etc?
Can doc fee be negotiated?
Thank you for the help
The $1250 is a customer incentive, regardless of options.
You can find invoice prices by using the Make/Model/Year tab at the top of the page, but MSRP minus 7% is pretty close.
I'd want 6% off MSRP, then subtract the $1250 incentive from that. It's better to ask for a lower price, than worry about negotiating the doc fee. (oh, you have a $595 doc fee? Then, I lower my offer by $595).
Can you guys tell me if this is a good deal on a lease?
2016 428i xdrive coupe 36 mo / 10k miles
MSRP: 45,545 Sale price: 43,645 MF: .00132 RV: 60%
Acquisition: 925 (looks marked up?) DMV: 185 Doc fee: 595 Tax on bank fee: 58.74 Tax on dmv/doc fee: 49.53
$581.69 per month (inc. tax)
Total w/ fees due at sign: 2,398.06
(Also a $700 transportation fee not added in above as the car is being sourced from out of state)
.00132 MF and 60% residual is correct. $1250 option allowance.
$925 is the BMWFS acquisition fee (markups not allowed).
$1900 off MSRP with a $600 doc fee doesn't look like a good deal. When you consider the $1250 customer incentive, you are basically paying sticker price.
With your numbers, I get $547/mo.+tax., which looks pretty close.
Thanks for the reply. The TMV is around 43k on edmunds with an invoice around $4k2. Do you think it is reasonable to get it down to that invoice price of 42k quoted on edmunds?
Is there another way I can find the invoice price on the particular vehicle or do I have to ask?
Can the $1250 customer incentive be used regardless of options, etc?
Can doc fee be negotiated?
Thank you for the help
The $1250 is a customer incentive, regardless of options.
You can find invoice prices by using the Make/Model/Year tab at the top of the page, but MSRP minus 7% is pretty close.
I'd want 6% off MSRP, then subtract the $1250 incentive from that. It's better to ask for a lower price, than worry about negotiating the doc fee. (oh, you have a $595 doc fee? Then, I lower my offer by $595).
Are the MF's and residuals the same for 2016's 428i Gran Coupes and regular coupes? Specifically looking for MF and residuals for 2015 and 2016 428i Gran Coupes assuming 10k and 12k miles per year, 24 and 36 months (seems like 36 months are the best program right now).
Are you hearing of huge discounts and/or special incentives on 2015 models?
I loved the dialogue re. the demo car above, as I'm hoping to find a 428i demo. - What is the "spec B" discount? - I understand the $.25/mile discount but how do you calculate the depreciation? If the car has been in service for six months, for example, would you calculate the depreciation as 41% (residual over 3 years) divided by 36 months (to calculate the monthly depreciation) multiplied by six months? I sorta made that up but it makes sense to me.
Thanks for all of the help...
2016 coupes and GC have the same lease numbers, this month.
.00132 MF and 59% residual for 36mo, 12K/yr.
2015 coupe: .00132 and 56% residual. $1500 buildout allowance 2015 GC: .00132 and 58% residual. $1000 buildout allowance
Demo lease programs aren't calculated any differently than a new car. They just have lower residuals, because of the mileage (and, hopefully a lot lower selling price to make up for it). How long they've been in service has no effect on the lease.
You can't calculate depreciation by dividing 41%, unless you are paying sticker for the vehicle. You calculate depreciation as the difference between the CAP cost and the residual (which is a fixed percentage of MSRP).
How do the residuals change with 10k miles per year? I assume add 1%...
Re. calculating depreciation, I was asking a different question but I know you get asked "What's a money factor and how do you calculate depreciation" every day, all day. I should have been more specific: with a demo car, is there a tried and true way to calculate what the discount should be beyond $.25/mile used? I'm looking at a 2016 428i GC, MSRP of around $50k, with almost 3k miles used.
What is a "spec B" discount another user referenced?
Are the incentives like buildout allowances also eligible for demos?
One would think there'd be a much bigger discount for a 2015 model year demo. Is that what you see and are there standard or average discounts/price reductions I should target?
Is the residual on the 428i coupe xdrive at 36/10k ~ 60%? My dealer showed me 57% (or maybe 58%) today and said 60 was not correct. He also showed me a line sheet that had the residuals, so I am curious where the discrepancy is here?
Are the MF's and residuals the same for 2016's 428i Gran Coupes and regular coupes? Specifically looking for MF and residuals for 2015 and 2016 428i Gran Coupes assuming 10k and 12k miles per year, 24 and 36 months (seems like 36 months are the best program right now).
Are you hearing of huge discounts and/or special incentives on 2015 models?
I loved the dialogue re. the demo car above, as I'm hoping to find a 428i demo. - What is the "spec B" discount? - I understand the $.25/mile discount but how do you calculate the depreciation? If the car has been in service for six months, for example, would you calculate the depreciation as 41% (residual over 3 years) divided by 36 months (to calculate the monthly depreciation) multiplied by six months? I sorta made that up but it makes sense to me.
Thanks for all of the help...
2016 coupes and GC have the same lease numbers, this month.
.00132 MF and 59% residual for 36mo, 12K/yr.
2015 coupe: .00132 and 56% residual. $1500 buildout allowance 2015 GC: .00132 and 58% residual. $1000 buildout allowance
Demo lease programs aren't calculated any differently than a new car. They just have lower residuals, because of the mileage (and, hopefully a lot lower selling price to make up for it). How long they've been in service has no effect on the lease.
You can't calculate depreciation by dividing 41%, unless you are paying sticker for the vehicle. You calculate depreciation as the difference between the CAP cost and the residual (which is a fixed percentage of MSRP).
How do the residuals change with 10k miles per year? I assume add 1%...
Re. calculating depreciation, I was asking a different question but I know you get asked "What's a money factor and how do you calculate depreciation" every day, all day. I should have been more specific: with a demo car, is there a tried and true way to calculate what the discount should be beyond $.25/mile used? I'm looking at a 2016 428i GC, MSRP of around $50k, with almost 3k miles used.
What is a "spec B" discount another user referenced?
Are the incentives like buildout allowances also eligible for demos?
One would think there'd be a much bigger discount for a 2015 model year demo. Is that what you see and are there standard or average discounts/price reductions I should target?
Is the residual on the 428i coupe xdrive at 36/10k ~ 60%? My dealer showed me 57% (or maybe 58%) today and said 60 was not correct. He also showed me a line sheet that had the residuals, so I am curious where the discrepancy is here?
Is the residual on the 428i coupe xdrive at 36/10k ~ 60%? My dealer showed me 57% (or maybe 58%) today and said 60 was not correct. He also showed me a line sheet that had the residuals, so I am curious where the discrepancy is here?
57% is for 36 mo, 15K/yr.
36/10 = 60% for a 2016 model.
Maybe he is trying to sell you a 2015 model?
I have the paper here, 164D 428xi Cp S - however he said the residual is not 60%...Any online resources where I can check this?
Is the residual on the 428i coupe xdrive at 36/10k ~ 60%? My dealer showed me 57% (or maybe 58%) today and said 60 was not correct. He also showed me a line sheet that had the residuals, so I am curious where the discrepancy is here?
57% is for 36 mo, 15K/yr.
36/10 = 60% for a 2016 model.
Maybe he is trying to sell you a 2015 model?
I have the paper here, 164D 428xi Cp S - however he said the residual is not 60%...Any online resources where I can check this?
The dealer can't alter the residual. At some point, this one will wake up and get it right.
That's the BMW USA website. Click on the fine print, and you'll see the MSRP and residual amount in dollars for the same 36/10 lease. That will show you the 60%.
so here is my deal, what do you think?
2016 BMW 428i
MSRP: $42,885
Selling Price: $39,800
15K/year
$440/mo + tax
Drive off: $2500 (includes first month payment, registration, tax, license, $995 bank fee, cap reduction)
Sales tax is 9% in my county (Sacramento, CA)
Thanks!
Haha, yeah I already filled out the credit app and am going to put down the deposit over the phone before I go over to the dealer to finalize the paperwork on Saturday.
i hope this isn't a bait and switch since I am driving 2 hours for the car. But I have an email from the Internet Sales Manager saying $2500 drive off with 7 MSDs for a monthly payment of $440/mo plus tax for a 36/15K lease. I never got into the specifics of the residual or mf since the numbers were so good lol
I am looking for information on leasing a 435i (non xDrive, GC or convertible). 3yr/36k. I am also going to do the 5 MSD. What would the residual and MF be for the car? The dealer quoted me over a text: MSRP: $56315, Selling price $51460. $2225 drive off, $548 a month. (no including tax). Does this seem like a reasonable deal?
Comments
Is there a way to calculate real value of a demo car?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Here's what I pulled from the BMW web site for Feb 2016 for the 428xi Convertible:
MSRP $52,995 (this includes a dealer acquisition fee of $995)
Cap cost reduction $3000
Option allowance $1,250
Monthly payment $569 (excluding sales tax, title, license, registration and dealer fees)
Now, with the .00132 MF and the 60% residual, and with the inputs above, the monthly payment comes out to $613 not $569. But by reducing the MSRP by $1,500 ..... the monthly payment becomes $569. Note, for purposes of this calculation, I ignored the $1,250 allowance since the hypothetical car in the BMW advertisement did not mention any options.
So, I think that means the Feb lease special is actually a $1,500 reduction in the MSRP, along with the $1,250 option allowance. Is that correct? If so, does that mean that the first $1,500 I negotiate off of the MSRP does not come out of the dealer's pocket at all? Therefore, I should be able to negotiate an even larger reduction in MSRP since the manufacturer is funding the first $1,500? And, in addition, I should be getting a $1,250 reduction in my options. So, for example if I choose the leather option at $1,550 I should only be charged $300?
Thanks for your patience, this is the first time I'm doing a lease, so I want to make sure I understand all the moving parts before I go back to the dealer.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
2016 428i xdrive coupe
36 mo / 10k miles
MSRP: 45,545
Sale price: 43,645
MF: .00132
RV: 60%
Acquisition: 925 (looks marked up?)
DMV: 185
Doc fee: 595
Tax on bank fee: 58.74
Tax on dmv/doc fee: 49.53
$581.69 per month (inc. tax)
Total w/ fees due at sign: 2,398.06
(Also a $700 transportation fee not added in above as the car is being sourced from out of state)
Are the MF's and residuals the same for 2016's 428i Gran Coupes and regular coupes? Specifically looking for MF and residuals for 2015 and 2016 428i Gran Coupes assuming 10k and 12k miles per year, 24 and 36 months (seems like 36 months are the best program right now).
Are you hearing of huge discounts and/or special incentives on 2015 models?
I loved the dialogue re. the demo car above, as I'm hoping to find a 428i demo.
- What is the "spec B" discount?
- I understand the $.25/mile discount but how do you calculate the depreciation? If the car has been in service for six months, for example, would you calculate the depreciation as 41% (residual over 3 years) divided by 36 months (to calculate the monthly depreciation) multiplied by six months? I sorta made that up but it makes sense to me.
Thanks for all of the help...
$925 is the BMWFS acquisition fee (markups not allowed).
$1900 off MSRP with a $600 doc fee doesn't look like a good deal. When you consider the $1250 customer incentive, you are basically paying sticker price.
With your numbers, I get $547/mo.+tax., which looks pretty close.
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.00132 MF and 59% residual for 36mo, 12K/yr.
2015 coupe: .00132 and 56% residual. $1500 buildout allowance
2015 GC: .00132 and 58% residual. $1000 buildout allowance
Demo lease programs aren't calculated any differently than a new car. They just have lower residuals, because of the mileage (and, hopefully a lot lower selling price to make up for it). How long they've been in service has no effect on the lease.
You can't calculate depreciation by dividing 41%, unless you are paying sticker for the vehicle. You calculate depreciation as the difference between the CAP cost and the residual (which is a fixed percentage of MSRP).
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$48,045 MSRP
$489/month
$0 down except taxes (NY), first month, DMV, and fees of $3480. Dealer originally wanted $599/month.
Dont have the specifics of negotiated price, Res factor on me currently but what do you guys think?
Is there another way I can find the invoice price on the particular vehicle or do I have to ask?
Can the $1250 customer incentive be used regardless of options, etc?
Can doc fee be negotiated?
Thank you for the help
Correction to above
Acquisition fee $925
Dealer closing fee $499
SC title, tag etc $76
Tax $300
Total CAP cost $52,220
How does that look for a deal?
You can find invoice prices by using the Make/Model/Year tab at the top of the page, but MSRP minus 7% is pretty close.
I'd want 6% off MSRP, then subtract the $1250 incentive from that. It's better to ask for a lower price, than worry about negotiating the doc fee. (oh, you have a $595 doc fee? Then, I lower my offer by $595).
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Re. calculating depreciation, I was asking a different question but I know you get asked "What's a money factor and how do you calculate depreciation" every day, all day. I should have been more specific: with a demo car, is there a tried and true way to calculate what the discount should be beyond $.25/mile used? I'm looking at a 2016 428i GC, MSRP of around $50k, with almost 3k miles used.
What is a "spec B" discount another user referenced?
Are the incentives like buildout allowances also eligible for demos?
One would think there'd be a much bigger discount for a 2015 model year demo. Is that what you see and are there standard or average discounts/price reductions I should target?
Thanks!
There is no formula for valuing demo cars.
No clue what "spec B" means, either.
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36/10 = 60% for a 2016 model.
Maybe he is trying to sell you a 2015 model?
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http://www.bmwusa.com/bmw/special-offers/lease/2016-428i-xDrive-Coupe
That's the BMW USA website. Click on the fine print, and you'll see the MSRP and residual amount in dollars for the same 36/10 lease. That will show you the 60%.
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428xi gran coupe
MSRP 54,100
Sales Price 50,500
MSD: 5
Down: 5000
MF: .00132
Residual: .6
term: 36/10
Monthly: 567 (after tax); 515 before 10% tax
Thanks
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
What is the residual and MF for a 2016 428i for 10K/36 month is it the same as the 328i?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
2016 BMW 428i
MSRP: $42,885
Selling Price: $39,800
15K/year
$440/mo + tax
Drive off: $2500 (includes first month payment, registration, tax, license, $995 bank fee, cap reduction)
Sales tax is 9% in my county (Sacramento, CA)
Thanks!
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
MSRP: $47,495
Offer Price: $43,000
I was offered 0.00172%, 59% for a 36/12k lease term. I live in the Bay Area SF, CA.
The dealership told me that it's not possible to get the dealership/wholesale MF of 0.00132%
Question: is it true that I can't get the lower MF or should I keep negotiating?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
If the selling price is the cap cost, I get $511/mo + tax. How much cap reduction is there in the $2500?
.00132 and 57% for 36/15 on the 428i coupe
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Why aren't you at the dealer signing the paperwork?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
i hope this isn't a bait and switch since I am driving 2 hours for the car. But I have an email from the Internet Sales Manager saying $2500 drive off with 7 MSDs for a monthly payment of $440/mo plus tax for a 36/15K lease.
I never got into the specifics of the residual or mf since the numbers were so good lol
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
BMW does not offer 7500 mile leases.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
2016 428 GC 36/15
2016 435 GC 36/15 ?
xdrive
I understand there is $1500 lease cash and $1000 loyalty
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Do you have residual & MF for 2015 428 GC 36/15?
Thanks so much!
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
For 2015 numbers, please post here:
http://forums.edmunds.com/discussion/18995/bmw/4-series/2015-bmw-4-series-lease-questions#latest
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I am looking for information on leasing a 435i (non xDrive, GC or convertible).
3yr/36k. I am also going to do the 5 MSD. What would the residual and MF be for the car?
The dealer quoted me over a text: MSRP: $56315, Selling price $51460. $2225 drive off, $548 a month. (no including tax). Does this seem like a reasonable deal?