cpachicka

I'm currently in the market for a new car (my beloved '07 IS350 was rear-ended and totaled) and was giving the '17 IS350's a look. A local dealer (midwest area) offered me the following:

2017 IS350 F-Sport AWD (w/Levinson)
MSRP: $51,234
Discount: $4,000
Lease Cash: $3,000
$0 Down
$663/mo

Attached is a snap of the quote form they gave me. They wouldn't give me any details regarding the residual, money factor and acquisition fee so I could not re-calculate the total cost on the form of $45,335,50 or the monthly payment. They originally started out with an offer of a $1,250 discount + $3,000 lease cash at a monthly payment of almost $800 and when I started asking questions about how they arrived at the number they just kept taking additional money off vs. answering my question. I know part of the difference is the $795 acquisition fee that seems to be included in the total cost, but the dealer insisted that was incorrect and it was only the $195 administrative fee shown on the form.

I'm pretty sure they have marked the money factor up significantly, but my question is this the really the best I can do? Based on my research, I was expecting a payment around $550/mo (including 7.45% sales tax) and a drive off of $1,829 (acquisition fee, tag& license, tax on lease cash) based on a sales price of $47,234, lease cash of $3,000, residual of 53% and money factor of .00050. Was my expectation inaccurate to begin with?

It's been about 9 years since I was last undergoing the car acquisition process, so any advice is appreciated.

GaryJG