Jake,
No this is not a dumb question...here is the easiest way to do this:
$187.24/0.0302 = $6200
You will have an outprice say $5200
gross profit is $1000
Total = $6200
If someone wants to purchase outright instead of lease sell it for $6200 that way you will still be making $1000 profit.
Always start with your outprice of the machine first and build up from there. Every deal will be different based on the circumstances and your competition.
Does this make sense?