The sales rep told me one pay discount is less than couple hundred bucks, so you're not looking at too much more.
That means they were likely hiking up the MF (besides for not giving a discount on the selling price). Check on Edmunds the incentives, residual, and MF for your zip code and trim, and compare to what he was quoting you.
Pine Belt is not the best place to get a deal, let's put it that way.