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So that seems pretty reasonable to me. You might be able to negotiate the money factor a little lower, or the price a little. Baseline money factor is .0013, but the finance guy gets paid by marking it up to .0016. This is common. On straight purchases, the finance guy gets paid a flat amount. In California, dealerships are everywhere and invoice pricing is common. But maybe not in your area.
I am leasing in Charlotte with European Delivery. I negotiated .0002 off the money factor. I received $1,000 off Euro Del MSRP, minus another $750 loyalty rebate and I am a member of the BMW Car Club, so I get another $500 rebate. So I am at $2250 below Euro MSRP. There isn't as much room for the dealer to discount Euro Delivery, so I'm not much help on comparing the price of your car.
And don't forget the dealer gets about 7% of the MSRP amount as a kickback from BMW. So even if they sell you at invoice, they still get the kickback, the finance guy gets some cash out of the money factor. Lots of opportunity for them to make money. If you seem like an eager buyer and ready to sign paperwork, you can probably wiggle them down a bit.
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