Just upgraded from a '13 335i to a '20 M340ix yesterday
MSRP was $62235
Negotiated price was $57535 (just above 7.5%, which I believe was below invoice).
$1000 lease cash
$2000 loyalty
$1000 recent college grad
final sale price: $53535 or something close.
No trade in because I knew they wouldn't be able to get me as good of a deal on my trade as I could from a private sale (which they openly admitted to lol)
I completely forgot to ask about money factor, so I probably got a little higher than I could have (I never actually saw what it was, but I'd assume it was 0.00185), but all in all:
$700.xx a month (taxes included) for 36mo/36000mi with 0 money down. I'm sure I could have paid a few dollars fewer, but considering I walked out only paying $988 (which includes my first month's payment), I can't complain.