I did the same thing last year when shopping for a new work truck.

I 'bought' the truck 0% down. I took on a personal loan at the same time, for half the truck MSRP. Stacked a bunch of sats that could today just about pay off the truck entirely, only 9 months later.

Before that, a few years ago, I leveraged up my borrowing on my primary residence; down to 20% equity. I've safely handled the increased mortgage payment and the sats stacked. I am very glad I did this.

When all you want is the sats, it makes these nice-to-haves feel fairly fiat. But it's nice to have notes and other stuff, every so often.

Have fun with your Dad!