Quote:
Originally Posted by jakc
New ones are shinier 
RS5s start at around $70K last time I checked. Priced around the same but I was hoping Audi would evaluate the lessee differently than BMW. |
The issue with an RS5 is that most (if not all) will be sold at MSRP. With limited allocations and first year release to the USA, it's a sellers market. In addition, historically, Audi Financial does not have the best lease rates. You need to have a combination of a low money factor and high residual.
Another poster mentioned going with a used M3. This is a good idea. Assuming that you have the $15k cash for a down payment, this would be (roughly) 30% toward an M3 with a sell price of $45k. This would lower the risk from the bank's point-of-view and could provide you with the payment history to support a future lease.
You would still have a great car just with some miles on the odometer. Just be sure to get one that has been maintained.
Aside from the FICO, also look at your DTI. A bank will look at both values for loan approval.