New York dealer is offering an RTL w/Moonroof and XM for $367/month - 36 month lease/12K miles per year. Claims the residual is 55% and the money factor is .00050 and he is only making $700 on the deal. He said the $1000 cash to dealer is not applicable on a lease. Forgot to mention - $0 cap cost reduction and only cash needed at signing was about $1,600 for first/last and TTL. Is this a good deal?