Hello ALL, This is my first post and I am very glad to have found and joined this excellent X community. I was hoping someone could clarify some leasing questions and creative solutions.

1. the lease offer for the 2009 lists a certain MSRP and mileage among other facts to define the lease deal with money down and monthly payments. Obvioously the exact match at a dealer for these vehicles as specified (ie. third row seats) has very low odds. I calculated the money factor to be 0.00102 or (2.45%) after dividing by 2400. is the lease offer only on that specific situation or should the money factor be applied to other less or more equiped vehicles just changing the final sell price and applying the money factor.

2. How much should the residuals change between 10k miles/yr and 15k miles/yr.

3. If the residual on the X5 is say 55% and one was inclined to pay a lease all up front. Please tell me if my calculations would be correct:

MSRP $70,625.00
Sell price $62,714.50
Residual 55% ($38,843.75)

$62,714.50 - $38,843.75= $23,870.75

$23,870.75 x 6%(tax) = $1432.25 + $23,870.75 = $25,303.00

If one paid the $25,303.00 up front then there should be no money factor as no money was borrowed and no further payments for term of lease. Am I correct in this statement.

Thank you for any and everyones time on these detailed questions. By the way does anyone have a list of the 2010 X5 35d residuals yet?

dok