[TitoSkulls]

Sweet, another Calgary 1er!!

Stefan, you should look into BMW's Owners Choice financing options. I was also originally going to lease, but when I found out that I could get my monthly payments down and still own the car, I changed my game plan.

Basically, they lower your monthly payments and then you owe a lump balloon payment at the end of your term. It's actually sort of like a lease, but you own the car and you'll probably be able to get a better rate financing than leasing.

At the end of your term, you can either refinance the lump sum or sell the car back to them, or sell the car privately and pay off the balloon payment yourself.