Quote:
Originally Posted by B-1 Pilot
if you use all 7 MSDs and are doing a ED, you best MF should be about .00108 ('best' MF seen on board .00127 +.0003 ED premium - 7(.00007))
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Thanks for the edit. I forgot about the ED premium.
conradb,
The MSDs (multiple security deposits) are completely optional. In fact, most (uninformed) individuals don't use them. With them, you're essentially giving BMW money to hold (which I'm sure they invest), and they drop your money factor .00007 per each (max 7 or .00049). I've read analysis of it being equivalent to a 10-12% ROI.
The residuals fluctuate. The recent transition to the MY2014 July M5 saw a residual drop from the final MY2013 June M5 by ~4%. I cannot give a good estimation of the December rates (someone else here may be able to). Another popular BMW forum has an 'Ask a Dealer' section where the monthly rates are posted - you could go back and check month-to-month rates from last year to get an idea.