Some thoughts, I configured your options on bmwconfig.com and it shows as 51,270 MSRP, did you mean Leatherette in your option listing? The difference between the config and your price is $1,450 the price of leather.
Putting your numbers into my excel with Base MF (assuming, you didn't post) your payment seems about right. Plus it would seem you're paying about 300 over invoice which is really great.
But I would double check your options and MSRP/Invoice pricing here: bmwconfig.com and make sure they match your numbers.
