Has anyone tried using the Cars.com loan vs lease calculator. I filled in the numbers for both the loan vs lease (based on the numbers tesla gave me). They didnt give me the money factor but I played with it till I got the monthly payment to the same price. Cost to own would be a little over $4k more for the lease. I keep going back on forth with leasing vs buying and need to make a decision soon. My X is in paint, so I would think 3-4 weeks before I get it?