well, if you account 0.9% financing opposed to 4.9%, you save mid $2K, and if it's CPO'ed, that's worth another $1500/$2000 over a non-cpo vehicle.

look at Cars.com/autotrader and bmwusa. if you find a cpo vehicle from a bmw dealership, $3.5 to $4K over private price may be worth it!