I got the cash for a new 3-series but I also want to keep it in the bank so I have cash flow, for an upcoming mortgage and down payment (on apartment). So, financing I would have to pay more per month but the BMW select can do zero down. The balloon at the end of 5 years is not that bad for me because actually I will invest the money NOW and in 5 years I would have more cash. What do you guys think?

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