Originally Posted by cmhsam
The .00145 residual is the "buy rate" for the Money Factor (MF). The dealer will usually add .0002 - .0004 to the MF so the finance department can make money on the deal. Unless you have a very long relationship with the dealer, and even then there is no guarantee, be prepared to pay above the buy rate for the MF.
My dealer sent me an estimate today in which he showed me the mf as 0.00145 exactly. Lucky I guess. The price is actually lower than I counted with 0 down.