Why will it drop? Because fed rates dropped and BMW usually knocks them back a bit. I was informed to use "standard rate". BMW's standard rate for Feb was .00275. I used .00270 in anticipation of the drop in rate.
I have the residual figures right in front of me. I posted them in the main forum, but I also have 20 months, 39 and others.
The best bet looks to finance the car thru a credit union. Get a rate of 5.99 for 60% and you are at a mid $1200 payment, but ya own the car sort of.
"Motion does not equal progress"
"I love the smell of cosmoline in the morning"