The residual value is not open for negotiation. Any wiggle room there would have to be done directly with the leasing company when you were trying to buy out the lease.

The money factor, just like a financing rate, has a buy rate and a sell rate. There is markup between the two. How much markup depends on how nice the dealer feels like being, how good your credit is, and how much you negotiate.

Very few people get the buy rate on financing or leases, because then the dealer doesn't make any money. As they say, "profit isn't a dirty word" and the dealership has to make money somewhere in the deal or it doesn't make sense. So, if you bought the car for under invoice, don't expect to steal the financing, and vice versa.

Also, I work in the internet department. We really don't make much on each car, we trade profit for volume. The floor salesmen go for the big profits. So I am probably not as sleazy as the salesmen you all are used to working with