Go to get estimate from another place, they say "no one wants m5" gives me a low offer.
Waffle and discuss, decide to go in for the lower dealer trade-in offer.
About to put down a deposit, dealer says, "oh, btw, that includes the $1000 financing incentive, so you can't pay cash, but there is no early payment penalty. You just do about 3 months of payments." That enough risk to kill the already only barely ok deal.
Then I get a spark, could I just put down a HUGE down payment. I ask, and it's "well, yes and no, you have to finance at least $7500 of the car." So a mull over this for a bit, but my gut is telling me no.
This is gaming the system. Even if this doesn't come back to bite me, it's ethically unsound.
So I've said no, again. This time I think it might be the final no.