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On a lease through BMWFS I suspect that there isn't much room for increasing the MF for Tier 1 customers as the transaction is more or less transparent directly from BMWFS to the dealer. BMWFS would have to essentially be "complicit" in cutting a piece back to the dealer.
For leases (or purchases) outside of BMWFS, dealerships usually "buy" money at one rate from various banks and such, then they change a customer another (higher) rate - and pocket the difference as a rebate back to them at a certain point. This is especially the case for "credit challenged" customers.
BMW makes the majority of its profits on manufacturing cost margin (e.g. inflating the MSRP of the vehicle relative to their actual cost), especially with option packages, then offering very attractive lease rates to appeal to customers.
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