[wtwo3]

The "1% rule" is not an actual thing. It does nothing to help you determine if you're getting a good deal or not. For some cars 1% payment of your MSRP might be a great deal, and for other cars it might be an absolutely awful deal. Don't be married to this 1% thing and end up compromising on the car you want.

Case in point - 1% on my X5 when I ordered it would have been incredible and very unrealistic. However, 1% on my M340i would be quite a weak deal because so many others (as did I) were able to get below that.

What determines if you're getting a good deal or not is how your deal compares to others of the same car and region.

In your case I think you did very well. 11% off pre-incentive with buy-rate money factor is up there with some of the better deals on an X5.