Thank you for the input everyone.
BigX5er awesome response tells me a lot. it's amazing the money to be made on a lease as we pay interest on the residual portion then they resell it again after turn in and charge interest to next buyer. The dealer mentioned to me about lowering the money factor by making security deposits... I understood that to mean you pay an agreed amount above the lease each month ($50-$100) and then BMW returns it to you at lease end??? sounds questionable to me but he said it would lower the money factor more significantly than a one pay lease surprisingly. Anyone know about this option.

dok