I am eagerly awaiting the arrival of my X5 3.0 and still deciding whether I should lease or own. I know this debate can go on forever and is a personal choice. My questions are about leasing?

1) The January BMWFS numbers are residual of 60% and MF of .00270 for a 12K/36mo lease. I don't qualify for the OLP. Besides putting multiple security deposits down is there any other way to negotiate a lower rate?

2) What is the "buy rate" in general and what should it be around for this lease?

3) I plugged the numbers into www.autoleaseadvisers.com and got $831.40 per month. Is that about right?

Results

MSRP $55,320.00
Cap Cost $52,300.00
Cap Cost Reduction $0.00
Tax 6.5%
Fees $625
Adjusted Cap $52,925.00
Residual $33,192.00
Depreciation $19,733.00
Monthly Depreciation $548.14
Monthly Rental $232.52
Base Monthly Payment $780.65
Monthly Use Tax $50.74
Total Monthly Payment $831.40
Total of Payments $29,930.30

4) Any other hidden fees (besides dispo at the end) or things I should be aware of when I finalize with the dealer?