WOW...I can't believe the huge mistake I made. The thread won't let me edit the original post, so let me fix it here
...The huge mistake wasn't in the payment, is was in the MSRP.
The MSRP of the 335i shouldn't have read 35,220, it should have been 45,220. Sorry for the confusion...
Make the MSRP correct, and everything will line up as initally posted.