Three specific claims, checked against the actual lease-payment mechanics.
False. The down payment amount doesn't disappear — it gets financed into the net cap cost, so you pay it back through higher depreciation and rent charges over the term (see the worked $30,000 example on the Zero-Down Financing Explained page, which shows roughly $3,096 recovered over 36 months from a skipped $3,000 down payment).
False. The money factor applied to a zero-down deal varies by lender and by the specific promotion — some zero-down marketing offers are paired with a higher money factor than the same lender's standard offer, which compounds the extra cost beyond just financing the down payment.
False. The money factor is credit-tiered just like an APR — a lower credit tier gets a higher money factor, which affects the rent-charge portion of every payment regardless of the down payment amount.