money factor bmw

2007 BMW 328xi Lease Question?
My husband and I are on the lease of a BMW 328xi, recommended by the manufacturer of the first 40,270 were offered $ 493 a month for a total of $ 5k down (5k include taxes, title, license) 36 month 15K per year. The 61% residual and presumably rate 5.5% (which would not give me the money factor). I could not make the numbers on a lease calculator, so I told them that and quickly dropped to 486 $ month still down $ 5K. They said it was more than I wanted to pay cardnial and made the mistake of saying he was looking for a payment $ 450, but would pay $ 460. Al day I received an email that will be $ 459 MO – negotiated MSRP $ 37.770. My calculations were the prices should be 435 million Mo, and again e-mail to offer. They do not bite, so the waiting game for about 5 days. Yesterday I received an email from him offering me a lease 27 months 15k same car $ 4,750 by $ 417 per month, 71% residual. Could someone give me your opinion on this lease?
My opinion is that you can get a better deal. You can correct his previous error, showing that you've done your homework. I found this article which lists a series questions to ask. I think I could help. Http: / / financialbasics.blogspot.com/2006/12/new-car-leasing-what-to-ask.html The more educated and confident you see less you mess with you. I know from experience:)