It has been my experience that in order to evaluate a deal to determine if it is a "good" deal or not, we need to see all the numbers, broken out.
Discounted Selling Price before Incentives
Any additions (including any roll over payments)
Taxes and tags
Money Factor or Loan APR Rate
Any other non-money value adds such as CPO, free annual detailing, etc.
Residual if a lease
In this instance, since OP is contemplating a purchase, how many miles/how many years will the car be driven? The "value" can depend on this. I once purchased a CPO with 13,000 original miles and drove it until the warranty was just about to expire and, having put over 50,000 trouble-free miles on the car, I traded it and received almost half of my original purchase price back in trade value, and I traded it for what has turned out to be the best lease deal I have done to date.
Lots of moving parts in deals like OP is considering. But, in the end, "value" is in the eye of the person who signs the deal and gets to enjoy the car.
Last edited by 1968BMW2800; 02-12-2020 at 08:51 AM.