Just wanted to get an idea, the residual is in fact 62%, for encore and tier ones I was "quick" quoted $659 a month no money down for the loaded IS350. Apparently they are getting two types of 350s here in NJ. Both have nav, one just has lesser options than the loaded one. take it for what its worth. As I know I wont be paying that. i'd say a good place to start is at around $600 and then put a down payment down to lower it a lil.