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If he's doing 8 MSDs (which he is to get that low of a Money Factor), its $7200 out of pocket -- yes, its refundable, but its also what gets the payment so low.
Using my calc with 88k negotiated price/ 103K MSRP, MF of 0.00076 (after the 8 MSDs), I get a payment of 890.14 and a total due at signing of $8165.14
88k with all fees included (no MACO/acquisition/title fees?) and no taxes is pretty damn good - like better than ED good, like are you sure its a MY14 good, like who is that dealer so I can buy my next car from him good. 14.5% off with no fees on a stateside sale is quite amazing -- you are like 7.5% below invoice.
In any case, I look forward to pics of the car after you buy it... I don't think you will find a better deal out there for a MY 14.
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