Mazda of North Miami · Lease Specialist · Bilingual
I'm Leo — lease specialist at Mazda of North Miami. I'll show you every number before you sit down, match you to the right program, and make sure you leave confident in your deal.
2026 Mazda Lineup
Why Work With Leo
Money factor, residual, MFR lease cash, dealer fees — you see every line before you sit down. No surprises at the desk, ever.
I track Mazda Financial Services programs monthly — rates, lease cash, tier adjustments, and FL-specific support. I build your quote from the actual numbers, not guesses.
Serving Miami's English and Spanish-speaking communities. Hablamos español — sin presión, con claridad completa en cada paso del proceso.
We agree on every detail before you come in. You show up to sign — not to negotiate. No marathon sessions, no back-and-forth at the desk.
The Numbers
Side by Side
| On Your Own | Ask for Leo | |
|---|---|---|
| Program knowledge | Published rates — you do the math | ✓ Leo tracks MFS programs monthly and builds your real payment |
| Pricing transparency | Numbers revealed at the desk | ✓ Every line shown before you arrive |
| Rebates applied correctly | Easy to miss FL SOR, loyalty, conquest | ✓ All applicable incentives identified and stacked |
| Dealership visits | Multiple trips typical | ✓ One visit — to sign and drive |
| F&I pressure | Extended warranties and add-ons pushed | ✓ You decide — no pressure either way |
| Bilingual support | Varies by representative | ✓ Fully bilingual EN/ES |
| Response time | Internet leads go into the queue | ✓ Direct line — text or call Leo |
Free Quote
Send me the details and I'll come back with your real payment — money factor, residual, all incentives applied. No obligation, no pressure.
También puedo ayudarte en español.
Or reach me directly:
(786) 213-5049 — call or text
@leomazdanm — DM on Instagram
Mazda of North Miami
20700 NW 2nd Ave, Miami Gardens, FL 33169
Process
Model, trim, lease or finance, budget, timeline. Fill out the form, call, or DM on Instagram. Leo responds fast.
Money factor, residual, all applicable incentives — stacked correctly for your credit tier and the FL market. No estimates. Real numbers.
You show up to sign the deal you already agreed to. No surprises at the desk. Keys in hand the same day.
Common Questions
A lease means you pay for the vehicle's depreciation over the term (typically 24–48 months), then return the car or purchase it at a predetermined residual value. A purchase means you own the vehicle outright — with cash or an auto loan. Leo will walk you through both options and explain which makes more sense for your situation.
The money factor is Mazda Financial Services' equivalent of an interest rate for leases. It's set monthly by MFS and varies by credit tier — Tier 1+ (720+) receives the best rate. Multiply the money factor by 2,400 to convert to an approximate APR. Leo knows the current MFS money factors for every model and will show you exactly how your tier affects your payment.
MFS Tier 1+ requires a 720+ FICO score. Tier 1 is 690–719, Tier 2 is 670–689, Tier 3 is 650–669, and Tier 4 is 630–649. Each tier below 1+ adds to the money factor. Leo works across all credit tiers and will tell you exactly where you land and what your payment looks like — no surprises at the desk.
Mazda of North Miami charges a $1,495 dealer fee (D&H), a $999 MNM value pack, and a $750 bank acquisition fee — all capitalized into the lease. Florida also adds inception fees of approximately $1,220 (registration, e-filing, tire fee, MVWEA, battery fee, rental charge, private tag agency, and tax on fees). Leo shows you all of this upfront — your due-at-signing number is never a surprise.
Mazda Financial Services publishes new programs on the first of every month. Money factors, residuals, and incentive cash can all change — sometimes significantly. Leo tracks these monthly and will advise you on whether acting now or waiting for next month's program is in your interest.
Not at all. Fill out the form, call, or DM @leomazdanm on Instagram. Leo will send you a full breakdown — payment, cap cost, money factor, residual, due at signing — before you ever set foot in the dealership. You only come in to sign and pick up your car.
Yes. Leo will get you a market-accurate appraisal and make sure your trade-in value is applied correctly to your deal — whether that's reducing your cap cost on a lease or your purchase price on a finance deal. Submit your info and Leo handles the rest.
About Leo
Born and raised in North Miami — the son of two Nicaraguan immigrants who came to this country with nothing and built everything.
Growing up first-generation in Miami taught me early that every dollar matters, every decision counts, and nobody should walk away from a car deal feeling like they got played.
I'm on the floor at Mazda of North Miami every day. I know the programs, the numbers, and every lever in a Mazda deal — from money factor to MFR lease cash to the FL-specific incentives that most salespeople don't track. I built my own lease calculator to make sure every quote I give matches what the desk will print.
My goal is simple: you get the deal you deserve, with full transparency, in the language you're most comfortable in — English or español — and you show up once to sign something you already agreed to.
Because South Miami is my home. I service this community the way I'd want my own family served: Honestly.
Follow the Process
Real deals, honest lease breakdowns, and Miami Mazda content.
Follow @leomazdanmOne quick step
Leave your info and Leo will send you a real quote for this model — then we'll take you to Mazda USA to browse trims and colors.