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thanks to you all.
warmtoes: what do you mean "You can add 2% and get it up to 59% residual"? cash is not an issue, but we prefer to lease for tax reasons, and we like to change cars ever 3 years.
im not sure what would be better: putting down 9 x security deposits to decrease the APR, or just paying a larger down payment.
brsk: i too have a line of credit at the bank which has better rates, but how do they calculate the residuals? or did you get a "single lease payment" through BMW and asked your bank to finance that?
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