$45k will barely get you a 335i coupe and unless you get very lucky, you won't get one till MY08
comes out. there maybe some 328i coupes around and if you haven't driven one, its pretty good. But... its no 335i
unless you do ED, many people are still paying around MSRP and very few get anywhere near invoice (they're probably lying if someone tells you they got a really good deal). most dealer's sticker price includes a premium disguised as all kinds of friviolous fees. yes everything is negotiable but there's not enough supply right now for dealers to make any good deals.