It would help to post the capitalized cost and any reductions as well.
X1 35i M Sport MSRP - $49,095
Gross Capitalized cost (negotiated value) - $46,486.04
-$1000 in incentives
$1149 BMW wheel and tire warranty (yes, I got ripped off on it but I already made all my money back by using it three times)
Total capitalized cost after warranty, fees, and sales tax - $50,451.35
0 down, 36 months 12,000 per year = $683/mo
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