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Assuming a MSRP and net cap cost of 50k at base lease rates with no MSDs:
Depreciation: 50000*.4/36 = 555
Interest: 50000+30000*.00130 = 104
Total: 660
4% tax = $2000
10% of payment tax = 66*36 = 2376
Assuming you are a pay it all up front kind of guy with your fees, you are better off paying the 4% now. However, if you end up rolling in the tax to your payment, you are now paying extra interest (to keep it apples to apples):
2000*.00130 * 36 = $93
You never said what your extra VA property taxes are, but paying up front or rolling it in to the lease is preferable unless your property taxes for the vehicle are more than $300 over three years, in which case your DC option is better.
$2000 earning 5% will become 2315 in three years.
I would probably choose DC to avoid the mysterious VA property tax, although the idea of paying property tax for property you do not own (a lease) is bizarre.
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