i was in a similar situation last January when i purchased my 2000 323i. i ended up doing a large downpayment of 7200 and then cosigning on the rest and going with BMW financial. the intrest rate is rape compared to Domestic rates of 2% and lower. what i am doing is wating a year and then refinancing the loan with a credit union. i dont think there is a chance in hell you are going to get a lease.