[FJ80]

Let me start of by sharing that I've learned a ton on here from all of you along the way. I'm new to the whole leasing process since I've always bought my cars, but decided to jump over. Here are my 2 situations:

2015, msrp of $108k, cap of $92.5k, 1k fee, 1 month due at signing. I'm in NY so the taxes get rolled in. 57% residual and .00135 which brings the monthly lease payment to $1,170.

2016 msrp of $111.5, cap of $103k, 1500 in fees, 1 month due at signing with taxes rolled in. 64% residual, .00175 which brings monthly cost to $1,310.

Both dealers don't have dmv, titles etc rolled in or broken out yet because they are out of state dealers. Shipping may add another $1k.

On the face of it, neither deal looks really compelling to me but I wanted to get some thoughts from the group on where I should be pushing back, etc.

Also, is the Mf that you get based on your credit score? One dealer told me that he always prices out at .00175 and once the application is in if you are over 740, you can get the .00135. Is this true?