Has anyone financed with BMW Select?

I'm looking at the 2011 X5 35D (loaded with an MSRP around 63k)

The BMW Select payment is coming in quite a bit lower with less money down but I'm worried about the balloon payment of 25k

Any feedback would be greatly appreciated

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The Present:
2014 Audi Q5 TDI Prestige
The Past:
2013 Lexus GS350
2013 VW Golf TDI
2007 BMW X5 4.8i LOADED & Loved
2009 VW Jetta
2008 VW Touareg VR6
2005 BMW X5 3.0i
2005 BMW Z4 3.0i
2004 BMW X5 3.0i
2003 BMW 325i
2000 Ford Explorer Eddie Bauer 4x4