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The sale price seems reasonable. I think you are just getting hurt by the new residuals being much lower and the fact that from what you're describing you've rolled EVERYTHING into the payment.
My payment is a good bit lower but I paid the fees up front and had higher residuals.
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Current: '20 X5, '18 M3 ZCP
Previous: '11 E90 335i, '11 E90 M3, '16 VW GTI, '15 M235i, '13 335i, '08 TL-S, '00 Corvette
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