Money down does not affect the MF. Multiple Security Deposits can be used to lower the MF. The residual is set. It is based on the time and miles. The dealer has no input into that.

 

The dealer can't mark up the residual but I assume he took you for 15k miles per year down to 10k miles which adds 3% to your residual. Also higher numbers (for residual) are better. He can markup the money factor though by 4 points and also the acquisition fee.

 

I want a dealer that marks up my residual without dropping the mile allowance. Most dealers raise the MF by 0.0002, which I do not see it as unreasonable, the greedy ones by 0.0004, you can ask for the buy rate and some will give it to you, depends on the car, how much they need to make the deal.