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A good rule of thumb is to never put money up front in a lease.
Why? Let's say the day you sign the papers and drive off the lot, your car is totaled. Insurance will cover the car, and reimburse BMWFS for their loss. They will call everything even, and you're out $3500.
If you roll the up front money into the payments, you'll pay something around $469/mo, with very little up front. In this case, if your car is totaled, you're out $469.
Are you familiar with how lease prices are computed? It will be helpful for you to understand where the numbers come from when you're negotiating.
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