Don't bother expecting invoice, even with stellar credit. Most BMW do NOT sell close to invoice, you will have to let the dealer make a profit.First of all your invoice price is off by a few hundred, i'm using NY pricing but it should be similar. If you negotiate well, you should be able to get it for 41000-41500.And, considering your credit sucks and they'll have to work hard to get you done, you really have no right asking for invoice. It's an insult.