[mattssi]

Originally Posted by CanesM4

I got a little over 9% off of msrp but this will be the fourth M car I've gotten from this dealer. Discounts are out there for sure

Same. 9% ish on the M4 and a little less (5-6%) on the M3 seems to be doable.

[Kminor2578]

Just locked in my deal.

M3 Comp Frozen Portimao Blue metallic
Black Extended Merino Interior
Carbon Fiber Trim
Driving Assistance Professional Package
Parking Assistance Package
Executive Package
Front ventilated seats
Shadowline lights
Black 826M 19/250"

5.6% off MSRP.
build week 15 (might get moved up)

If anyone else has seen the car in person and has driven it, 5.6% I am happy with that price. The payment is 936 with taxes up front.

[HK4]

Originally Posted by Kminor2578

Just locked in my deal.

M3 Comp Frozen Portimao Blue metallic
Black Extended Merino Interior
Carbon Fiber Trim
Driving Assistance Professional Package
Parking Assistance Package
Executive Package
Front ventilated seats
Shadowline lights
Black 826M 19/250"

5.6% off MSRP.
56% Residual 36m/12K
MF 0.00086
build week 15 (might get moved up)

If anyone else has seen the car in person and has driven it, 5.6% I am happy with that price. The payment is 936 with taxes up front.

I think that’s a good deal. I would be pleased with the .00086 MF and a 5% discount. Hoping things don’t change too much for April when my M3 is delivered.

[CanesM4]

Originally Posted by Kminor2578

Just locked in my deal.

M3 Comp Frozen Portimao Blue metallic
Black Extended Merino Interior
Carbon Fiber Trim
Driving Assistance Professional Package
Parking Assistance Package
Executive Package
Front ventilated seats
Shadowline lights
Black 826M 19/250"

5.6% off MSRP.
56% Residual 36m/12K
MF 0.00086
build week 15 (might get moved up)

If anyone else has seen the car in person and has driven it, 5.6% I am happy with that price. The payment is 936 with taxes up front.

That's a really good deal

[KevinGS]

...on a fairly loaded M4 Competition (with CCBs) with an MSRP around $100,000?

It seems like all the current, good lease deals are for lightly optioned vehicles ($85,000 MSRP or less).

But, let's say one was interested in a loaded M4 for $100,000, at the current residuals, for 12,000 miles/year, what would be a decent lease deal? What would the Money Factor be? And what would the payment look like, with little down (no more than $2000)?

Or is it the case when you want a loaded M3 or M4, that it's just best to buy it and not lease it?

[LuckyBrand]

Originally Posted by Kminor2578

Just locked in my deal.

M3 Comp Frozen Portimao Blue metallic
Black Extended Merino Interior
Carbon Fiber Trim
Driving Assistance Professional Package
Parking Assistance Package
Executive Package
Front ventilated seats
Shadowline lights
Black 826M 19/250"

5.6% off MSRP.
56% Residual 36m/12K
MF 0.00086
build week 15 (might get moved up)

If anyone else has seen the car in person and has driven it, 5.6% I am happy with that price. The payment is 936 with taxes up front.

Is that with zero down?

[Rick955]

Originally Posted by KevinGS

...on a fairly loaded M4 Competition (with CCBs) with an MSRP around $100,000?

It seems like all the current, good lease deals are for lightly optioned vehicles ($85,000 MSRP or less).

But, let's say one was interested in a loaded M4 for $100,000, at the current residuals, for 12,000 miles/year, what would be a decent lease deal? What would the Money Factor be? And what would the payment look like, with little down (no more than $2000)?

Or is it the case when you want a loaded M3 or M4, that it's just best to buy it and not lease it?

BMW pretty much controls the leasing numbers and residuals are not good right now. Not sure there are any good lease "deals" right now, regardless of the price. No decent incentives either, outside of loyalty and perhaps military. Dealers aren't doing much, if any discounting.

BMW Select may be an option to consider being it is a purchase vs. a lease. It really only works if... 1. The APR is low (0.9 - 1.9 is), and 2. You keep the miles low (for resale at the end). Unlike leasing, putting money down up front is not a bad thing if you can afford to do so. Sales tax is included up front on the entire purchase price (including balloon), not on the payments (can vary in some states), so those payments are are quite reasonable, especially if you put more down. Decide at the end to pay off the balloon payment (if you want to keep it), or sell / trade-in which works out well especially if you keep it pristine and low miles. If it's your DD and you put 10k+ miles on a year, it may not work out as well for you in the end. Not sure about a $100k+ car though. All those high priced options will depreciate even faster and the balloon payment at the end will be that much higher. Tough call.

[KevinGS]

Originally Posted by Rick955

BMW pretty much controls the leasing numbers and residuals are not good right now. Not sure there are any good lease "deals" right now, regardless of the price. No decent incentives either, outside of loyalty and perhaps military. Dealers aren't doing much, if any discounting.

BMW Select may be an option to consider being it is a purchase vs. a lease. It really only works if... 1. The APR is low (0.9 - 1.9 is), and 2. You keep the miles low (for resale at the end). Unlike leasing, putting money down up front is not a bad thing if you can afford to do so. Sales tax is included up front on the entire purchase price (including balloon), not on the payments (can vary in some states), so those payments are are quite reasonable, especially if you put more down. Decide at the end to pay off the balloon payment (if you want to keep it), or sell / trade-in which works out well especially if you keep it pristine and low miles. If it's your DD and you put 10k+ miles on a year, it may not work out as well for you in the end. Not sure about a $100k+ car though. All those high priced options will depreciate even faster and the balloon payment at the end will be that much higher. Tough call.

Thanks, Rick, much appreciated.

I think I'll just randomly contact dealerships with my expensive build, just to see if I get anyone willing to work with me. It's doubtful, but there may be some hungry out-of-the-area dealer out there willing to make a deal to get the business.

I'm certainly willing to wait a year for things to calm down and incentives to kick in, and then can weigh the benefits of the coming AWD Ms. But if a dealer with a decent deal works with me, I'd bite.

[Jcali86]

Not sure where you're located as that will be a bigger factor. My build is $100k; there are no discounts. It depends on your location as it's not rare that orders are pushing $100k in California, but it might be in other places.

[HK4]

Do y'all think April deals will be the same as March??

[Kminor2578]

Originally Posted by LuckyBrand

Is that with zero down?

Zero down, just paying taxes and fees up front. I personally don't think it is wise to put money down on a lease because, then that money is at risk if anything happens to the car.

[JTO24]

Originally Posted by Kminor2578

Zero down, just paying taxes and fees up front. I personally don't think it is wise to put money down on a lease because, then that money is at risk if anything happens to the car.

Is that MF with MSDs?

[LuckyBrand]

Originally Posted by Kminor2578

Zero down, just paying taxes and fees up front. I personally don't think it is wise to put money down on a lease because, then that money is at risk if anything happens to the car.

What does paying the taxes and fee's upfront do than other than lowering the monthly payment? Just curious as you could just include the taxes and fee's and save that money in the bank account and then pay it off over 3 years correct or am I missing something? I mean I know the payment would be higher but either way it gets paid.

Thanks!

[doug_999]

Originally Posted by LuckyBrand

What does paying the taxes and fee's upfront do than other than lowering the monthly payment? Just curious as you could just include the taxes and fee's and save that money in the bank account and then pay it off over 3 years correct or am I missing something? I mean I know the payment would be higher but either way it gets paid.

Thanks!

You would be paying interest on the taxes and fees. Now some would argue you can make more money in the market, but at the end of the day, something like taxes/fees are fine to either pay up front or roll into the lease.

Do remember also, that the monthly will go up if you roll them in and that can mess with your credit score/ability to get other loans.

[LuckyBrand]

Originally Posted by doug_999

You would be paying interest on the taxes and fees. Now some would argue you can make more money in the market, but at the end of the day, something like taxes/fees are fine to either pay up front or roll into the lease.

Do remember also, that the monthly will go up if you roll them in and that can mess with your credit score/ability to get other loans.

Gotcha! I would assume that would work the same way then buying the car then also. On a finance that could really save. I guess when buying expensive cars like this anything helps on the interest and overall money paid out.

[Kminor2578]

Originally Posted by LuckyBrand

What does paying the taxes and fee's upfront do than other than lowering the monthly payment? Just curious as you could just include the taxes and fee's and save that money in the bank account and then pay it off over 3 years correct or am I missing something? I mean I know the payment would be higher but either way it gets paid.

Thanks!

You're right, I could just roll it into my payment, but I just chose to pay them.

[Kminor2578]

Originally Posted by JTO24

Is that MF with MSDs?

No MSD's, they really didn't, make a big difference. It was like 30 dollars off my payment a month. 7K, I would rather just leave in my portfolio then leave setting in the dealers pockets.

[Kminor2578]

Originally Posted by doug_999

You would be paying interest on the taxes and fees. Now some would argue you can make more money in the market, but at the end of the day, something like taxes/fees are fine to either pay up front or roll into the lease.

Do remember also, that the monthly will go up if you roll them in and that can mess with your credit score/ability to get other loans.

All that taken into account as well. Also, taxes/fees paying those up front is not a risk as it is on putting money down on the actual lease. If you get into an accident or something is really challenging to get the money you put down back from the insurance company if the car is totalled.

[doug_999]

Originally Posted by Kminor2578

All that taken into account as well. Also, taxes/fees paying those up front is not a risk as it is on putting money down on the actual lease. If you get into an accident or something is really challenging to get the money you put down back from the insurance company if the car is totalled.

I didn't comment on that because a) I'm not 100% sure how it works and b) I'm 100% sure that it depends on what state you live in.

For instance (and theory here, I could be wrong), in Illinois, you owe taxes on total of the lease payments. So if your lease payments are going to be a total of $36,000, then you owe taxes on that amount day#1 (which they can roll into the lease payment and you are just paying interest on it - as in your cap cost goes up). I suspect my fine government here in Illinois wants that money even if you total the car driving out of the dealership (like they would want it on a purchase).

But some states tax the lease payment per month - in effect the tax is on the monthly payment made that month. I suspect that in those states you would NOT want to put the tax as down payment cause then you have to figure out how to get it back from the state.

But like I said, I'm certainly not an expert in this stuff in terms of taxes. I just know that you never want to pay down your cap cost with a downpayment - cause you will lose that if you total the car
I think

[OSee]

Originally Posted by doug_999

Uh.... I think some states tax those deals differently. So there could be a catch depending on where you live.

If you’re not familiar with your local lease tax laws/regulations that’s not a ‘catch’.

[JTO24]

Originally Posted by Kminor2578

No MSD's, they really didn't, make a big difference. It was like 30 dollars off my payment a month. 7K, I would rather just leave in my portfolio then leave setting in the dealers pockets.

Awesome! I agree 100% with regards to the better use of that money... For some reason I thought the base MF was much higher which is why I asked.

[doug_999]

Originally Posted by OCfromOC

If you’re not familiar with your local lease tax laws/regulations that’s not a ‘catch’.

It certainly is a catch.

You wrote "Just like a lease. Not a catch in site."

and the fact is, in some states it is NOT "just like a lease" and there are catches.