1- depends on your dealers allocation, if no list should be about 2 mos 2- depends on where you live. I think in most places they are still going for MSRP (but no surcharge) so anything under sounds good (I think the CCA is now giving a 1K discount on M5s) 3- you can either have them spread out over the 36 mos of payments or pay them all up front. If you do the former, your payments will be about $1200/mo (with cap red)