The N20 2.0T engine used in 2012–2015 328i has a documented upper timing chain guide failure. Rattling at startup on a warm engine is a pre-failure sign. 2016+ B48 does not share this issue.
2016+ cars with B48: lower risk. For any 2012–2015: cold-start the engine and listen for startup rattle. Ask for timing chain service records.
Est. cost: $1,500–$3,000 timing chain / guide replacement
Source: BMW N20 class action