Water logged X5

[CTSportX5]

Ok, I know this is the millionth thread on wet carpets but I haven't seen this particular situation. Couple weeks I have noticed a musty, unpleasant smell. I get to the rear carpets and they are water logged. I dried them out and it seemed ok until today. After a heavy rain I noticed literally a pool of water on the rear passenger floor. I park facing uphill on my driveway so it seems to collect there. BUt I tracked the flow of the water up under the center console area that runs between the seats, that is where the carpet is most water logged. Nothing else is wet- A Pillars, headliner, nothing- just the carpets. The carpets become dry about where the shifter is.

Anyone know if this is covered by CPO? I would imagine this would be quite costly trying to diagnose.