I wanted to get the opinions of folks who have leased or finance, to see what you're experiences are. The specs of my Model S would be: $92320 before tacking on fees and taxes. When i take my Net income ($4972) against the monthly payment $1136, the ratio is only 22% of my income So I am trying to find out if i would be a approved for a lease with these credentials. I am working my way up to the 720 credit score, should be there in about 2 months. I havent bought anything on credit for quite sometime, 2004ish.. I have since opened 2 credit cards with very low balances owed. Would i be able to make it happen?