So using the above explanation, I paid $250 over invoice, it was a lease, acquisition fee was waived as I was coming off an X5 lease, $1250 in incentives (and they paid my last 3 payments on my X5, which isn't really true, they just took it back early - not like it cost anything for them). 55% residual on 3 year/15k a year lease and I did 7 security deposits which cut the money factor down to almost half.
2008 335i Vert Montego/Saddle/Grey Poplar
2011 Audi S4 Deep See Blue/Black/Stainless
2014 X3 35i M-Sport Space Grey/Chestnut/Fineline Wave