[bobblehead]

Oh! That's way too much. It seems you are buying on emotion of owning a M5. I am not sure if there was buying pressure put on you by the dealer but having to fork out that much more for financing and no discount, you should have thought it over for a few days and/or look for alternative cars, perhaps even an M3 or MB C36 AMG, as a starter.

In Canada, I will project a 4 year-old M5 (F10) into future for around $45K (wholesale / trade in value).

If you can still change your plan (even having to lose your initial deposit OR simply having the deposit applied to a lowered priced bimmer), you should re-think it over. IMO.

If you are in the North York area, I would be happy to chat with you in person (Monday, Apr 1 or Tues, Apr 2) at a coffee shop, like Timmie. Just pm me.