Based on my recent shopping experience, the USAA is stackable with the HC & LC. Car must be new with no more than 1000 miles on it. My guess, depending on your local market, is you can buy or lease the car based on a discount, all in, of $11-12k off MSRP. If you have an iPhone, BMW also has a BMW drive app that you activate while at the dealer, and receive another $700 (I think for the 740i and also the max) toward 1st payment or total cash out of pocket. I already considered that in my guess! That's for a current 2013. Deals are pretty good. Good luck.
'13 640i Gran Coupe Alpine White/Cinnamon Brown, M-Sport, Driver Assistance, Lux Seating, Premium Sound, Full LED's
'10 Porsche Panamera S
'09 Maserati Quattroporte S
'08 550i Carbon Black/Natural Brown/Anthracite, Sport Pkg, Active Steering, Comfort access, Sport transmission, rear shades, NAV, Sirius, L7, Ipod/USB, PDC, Heated Front Seats.
'08 750i Sapphire Black/Natural Brown
'06 750i Sapphire Black/Natural Brown
'07 550i Sapphire Black/Black
'05 545i Silver Grey/Black