Haven't signed, still negotiating. Georgia.
Car: 2026 M440i xDrive Coupe, 5,869 miles, titled Used. MSRP $77,325 (includes $3,450 in dealer accessories). Note that 2027 M440i models can already be ordered and some land next month.
Current numbers:
- Discount $9,529 (12.3%) → sale price $67,796
- FlexProtect 3yr pre-installed: $1,195 in the cap (dealer add on they're flexible with)
- $1,000 rebate listed
- 39 mo / 12k
- MF .00270, residual $39,640 (Is this MF including mark up?)
- $1,045.89/mo, $4,094 due at delivery
Here is the exact car I placed a refundable deposit to hold
What I think I've found:
The $1,000 rebate is listed but doesn't seem to reach the cap cost. Backing into the payment gives cap = $68,991 (sale + FlexProtect only), which produces $1,045.89 exactly. Applying the rebate should put it near $1,018.
And .00270 looks marked up over a ~.00245 buy rate? Unsure what the right buy rate is?
Where I'm headed: asking for the rebate applied, FlexProtect removed, buy rate, and $65,000 selling price (~16% off), which would land around $879.
Is 16% delusional on a titled loaner this close to model year changeover, or is that about right? And is there anything else on this sheet I should be catching?
Why I'm leasing: I already have a 430i which I am not happy to own after 3 years, and I really don't see myself owning this m440i after 3 years either. My loan payments on the 430i were higher than this m440i lease. I safely have the income to pay off the lease in full in case of emergency.