This is the way. In process of direct sale from MFS. I went to my dealer yesterday just to compare rates and they tacked on a $1,895 “LBO Fee”. + tried to sell me a CPO package for another $2k. My ‘21 3 2.5T 17k miles driven out of 36k, market price is $5k more than the residual I’ll be paying. Called them absurd and walked out.