First post here but been reading for a while. Just got approved for a 2015 328xi.
Black sapphire/Oyster Dakota leather interior
Premium (waste of money but no choice with the options I wanted)
Lighting package (why this isn't standard I still don't understand)
Heated front seats
36 months & 10k miles/year
$1000 Anniversary credit
$1000 Dealer credit
$500 extra manager deal (got lucky)
Came out to $2500 below invoice for a sale price of $43000.
66% Res. & base MF started at .00159
In NY so only one security deposit - $450
0 money down
Total due: $3715 for a monthly payment of $423.
Bit of money was left at the table, in my opinion, but nothing significant.