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What are the quotes on your money factor/residuals?
I calculate rough payment of 756 with 57% and .00128 mf, which is right in line with your quote. Seems like a good deal to me.
However, can you roll all those fees and taxes into the lease? You won't be able to roll in the first payment obviously.
A rule of thumb for leases:
[ ( 1 / Lease Term) + MF ) * extra amounts you roll in ] is the monthly increase in your payment by not coming out of pocket now.
It will raise your payment about $110/month, which is $3,925 over the life of the lease (110 * 36 months).
[ (1/36)+.00128) *$3,750 = 3,925. ]
But you'd be saving $3,750 at signing. Basically, it will cost you $175 over 3 year period to keep that money. But that's just me, I roll in as much as I can when doing a lease, especially when the money factor equates to a 3% interest rate (money factor / 24 = interest rate).
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