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Here's my question... why go with a lease at that point? Generally speaking, putting ANY money down on a lease is a bad idea unless you're planning on buying it out at the end. And if you're doing that along with a large cap reduction, why not just use standard financing to purchase the car?
It takes some calculator math, but typically an interest rate on an auto loan is a much cheaper option than the money factor on a lease.
Just a thought...
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