I just ordered a 2012 x5m and got it for $1000 over invoice plus dealer is adding the BMW stone guard film ($350 retail) as part of the deal so I'd say u got a fair deal. I'm leasing as well and agree not wise to put money down towards cap cost reduction on a lease. I did 7 MSDs and brought the money factor down to .00146 (3.5%) for 36 months and 12k miles. It's in production right now so a few 2-3 weeks before I get it.