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I did get the .0013 MF and was approved, so I feel I got a good deal overall (considering another deal wouldn't give me a dime off the MSRP and .0017).
I'll have to look at the numbers, the 'quote' sheet BMW gave me at $3k down was about $510/month, hence my confusion when I see the deals people get here.
Could it have to do with Texas leases and getting Taxed for the full price of the car?
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