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09-05-2025, 05:42 PM
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#101 | | RabidMod
Join Date: Aug 2003 Location: Toronto
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Originally Posted by AstulzerRZD  Imagine a faked residual of 30k when the actual residual is 25k
25k is what it'd be worth at auction/at like a Kingsway lot.
BMW FS will make
- 27k selling it to a dealer who will sell it CPO
- 2k on interest financing the CPO buyer
- 1k on interest initially
- and maybe there was some other penalty somewhere in the supply chain worth 1k if they reduced production | But doesn't that 3k on interest have to cover the equity spread between 30k and 27k? Because the lessee only paid the principal down to 30k. So then BMW FS just breaks even. Not to mention the opportunity cost of loaning that 3k... it cost them something too, to tie up those funds.
Wouldn't they rather profit 3k on interest, by financing the car to someone who owes the entire value of the car?!
In either case they could pocket the 1k in avoided supply chain penalties.
Shit's crazy, I don't get it. What I do get, is that I should be leasing from now on... and then after returning it, go buy the car as a CPO for a few thousand dollars of discount lol.
edit: oh even better: can you avoid all the interest owed on a lease, if you just immediately pay all your payments in a lump sum? and then you don't even pay any interest!! Just pocket the difference by buying the CPO from the dealership for a $3k discount!
__________________ Geriatric Motoring Club Member #37 Quote:
Originally Posted by EvoFire I need to be reliably within 10-15mins of a baked pork chops rice with lemon tea. | | 
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09-05-2025, 05:48 PM
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#102 | | My homepage has been set to RS
Join Date: Mar 2011 Location: NYC
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Instead of financing you for 6 years, if they give you 3x2 year leases they get to sell 3 cars that are probs more expensive than one you would’ve financed - and they pad their sales numbers and value of the whole company.
The 3 CPO cars they finance are just cherry on the cake.
__________________
2002 AP1 S2000 "Mustard"
2024 F150 Lightning
Past:
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- '20 Dodge Charger R/T
- '20 Ford Mustang GT Convertible
- '04 Acura TL 6MT
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- '16 Golf 1.8T
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09-05-2025, 07:18 PM
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#103 | | My homepage has been set to RS
Join Date: Mar 2011 Location: NYC
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Also yes you can do a one pay lease - great way to reduce ur business tax.
Some finance arms also need cash flow, ZDX were leasing ~5k one pay for 24 months, 7.5k miles.
The monthly was ~100 or so higher without the one pay incentive.
__________________
2002 AP1 S2000 "Mustard"
2024 F150 Lightning
Past:
- '09 Ducati Monster 696 "Ketchup"
- '20 Dodge Charger R/T
- '20 Ford Mustang GT Convertible
- '04 Acura TL 6MT
- 🛴 Lime Scooter 🛴
- '16 Golf 1.8T
- '09 MB E63 AMG
- '06 Honda Accord V6 | |
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09-09-2025, 12:20 AM
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#104 | | Los Bastardo owned my ass at least once
Join Date: Apr 2014 Location: Van
Posts: 6,010
Thanked 2,499 Times in 1,343 Posts
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So is fl5 under $40000 yet, or should I just get a fd2, fn2
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09-09-2025, 05:52 AM
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#105 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 18,425
Thanked 19,832 Times in 6,741 Posts
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You can search just as well as anyone else!
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09-09-2025, 06:30 AM
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#106 | | Willing to sell body for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 12,302
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Originally Posted by JDMDreams So is fl5 under $40000 yet, or should I just get a fd2, fn2 | what car do you have again!?
just get a miata!!!! i keep telling everyone, but its literally the best performance deal out there. You get a nice top down experience, a small chuckable car thats cheap on gas, cheap on insurance and cheap on consumables. The only other car that fits that category is the GR86/BRZ. Or you can pay like 70k more to upsize to pig nose M3 but thats a lot of money to shave off a few seconds 0-60. If you wanted purely speed just pickup a used EV to go fast in a straight line.
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Geriatric Motoring Crub Member #444 | |
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09-09-2025, 07:07 AM
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#107 | | RabidMod
Join Date: Aug 2003 Location: Toronto
Posts: 6,895
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@JDM how's your back? And do you have anything to live for? If not, how about a sport bike? Way cheaper and way faster than a miata. It's even top-down by default!
__________________ Geriatric Motoring Club Member #37 Quote:
Originally Posted by EvoFire I need to be reliably within 10-15mins of a baked pork chops rice with lemon tea. | | |
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09-09-2025, 07:55 AM
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#108 | | Willing to sell body for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 12,302
Thanked 14,070 Times in 5,196 Posts
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Originally Posted by RabidRat @JDM how's your back? And do you have anything to live for? If not, how about a sport bike? Way cheaper and way faster than a miata. It's even top-down by default! |  probably not
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Geriatric Motoring Crub Member #444 | |
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09-09-2025, 08:28 AM
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#109 | | My homepage has been set to RS
Join Date: Mar 2011 Location: NYC
Posts: 2,463
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| Quote:
Originally Posted by Badhobz what car do you have again!?
just get a miata!!!! i keep telling everyone, but its literally the best performance deal out there. You get a nice top down experience, a small chuckable car thats cheap on gas, cheap on insurance and cheap on consumables. The only other car that fits that category is the GR86/BRZ. Or you can pay like 70k more to upsize to pig nose M3 but thats a lot of money to shave off a few seconds 0-60. If you wanted purely speed just pickup a used EV to go fast in a straight line. | ima be real - i made the s2k work but the mx-5 is inconveniently small.
- passenger seat too small because my left foot is blocked by the footwell subwoofer.
- can't fit medium checked suitcase (s2k does carry-on AND 26")
- can't fit a bag of dogfood nor toilet paper from costco
girl i saw bought one and we usually took the s2k cuz it was acceptably more practical for her, the small dog, and i. 
__________________
2002 AP1 S2000 "Mustard"
2024 F150 Lightning
Past:
- '09 Ducati Monster 696 "Ketchup"
- '20 Dodge Charger R/T
- '20 Ford Mustang GT Convertible
- '04 Acura TL 6MT
- 🛴 Lime Scooter 🛴
- '16 Golf 1.8T
- '09 MB E63 AMG
- '06 Honda Accord V6 | |
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09-09-2025, 09:55 AM
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#110 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 31,924
Thanked 13,540 Times in 5,646 Posts
Failed 519 Times in 345 Posts
| Quote:
Originally Posted by Badhobz what car do you have again!?
just get a miata!!!! i keep telling everyone, but its literally the best performance deal out there. You get a nice top down experience, a small chuckable car thats cheap on gas, cheap on insurance and cheap on consumables. The only other car that fits that category is the GR86/BRZ. Or you can pay like 70k more to upsize to pig nose M3 but thats a lot of money to shave off a few seconds 0-60. If you wanted purely speed just pickup a used EV to go fast in a straight line. | You forgot your favourite manufacturer: PORSCHE 
__________________ Quote:
Originally Posted by EvoFire Hey dukes are you bringing lube for me? I found a way to confirm 90% of my problem. | Quote:
Originally Posted by red kryptonite Stock and lube meet :heckno: hahaha | Quote:
Originally Posted by roastpuff BRB getting some Sailun Chowhais rn | | |
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09-09-2025, 11:16 AM
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#111 | | I answer every Emotion with an emoticon
Join Date: Aug 2007 Location: Paradise, BC
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Originally Posted by bcrdukes You forgot your favourite manufacturer: PORSCHE | Boxster for the top down experience. Cayman for the driving experience. And 911 for the... well, full on Porsche experience.
The frunk is honestly huge. Not golf bag huge, but good enough for a medium size suitcase, I think?
And I'm gonna say the p-cars are better than the blue Ratoulla.
__________________ Quote:
Originally Posted by westopher The whole world has gone down a road no one can recover from, and it's nothing to do with governments, it's because so much of the general public is so fucking stupid. | | |
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09-09-2025, 11:52 AM
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#112 | | Performance Moderator
Join Date: Jun 2001 Location: Richmond
Posts: 18,425
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oooooooof RIP Traum
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09-09-2025, 12:03 PM
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#113 | | Willing to sell body for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 12,302
Thanked 14,070 Times in 5,196 Posts
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| Quote:
Originally Posted by Traum Boxster for the top down experience. Cayman for the driving experience. And 911 for the... well, full on Porsche experience.
The frunk is honestly huge. Not golf bag huge, but good enough for a medium size suitcase, I think?
And I'm gonna say the p-cars are better than the blue Ratoulla. | im not going to dignify that with a response. HUMPH! 
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