Great advice from everyone

Another way to reducing the money factor is by paying multiple security deposits upfront (not cap cost reduction). There are mixed opinions on this but it will give you roughly ~10% return on investment. If you are getting >10% return on your money then obviously no point in doing this.

If you have the time, patience and fortitude there is quite a bit of information and a handy spreadsheet on Bimmerfest in the 'ask a dealer' forum stickies.

http://www.bimmerfest.com/forums/forumdisplay.php?f=20