I think your residual estimate sounds about right.
They don't give deals for Z leases, they are using the stock bank rates at 6.0% plus a little padding on the residuals.
If you purchase and get a loan at 3.49% your payments will be $400 with the $8K down provided you can come up with the extra cash for the sales tax. If you could put $11K down it would be $345 a month. $12.5 down and you hit the same number of $320 a month.
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