[Brknbones]

It sounds like you are playing with the numbers to convince yourself you can afford it. No reason to do a cap reduction on a lease, if you are hell bent on putting extra money down do multiple Security Deposites - that will lower your payment and you get it back at the end.
Are you sure you only need 10,000? You originLy said 12. Before I started leasing I had no idea what my yearly milage was and I wrongly estimated 10,000 and am paying for it at the end of the lease.