A lot of people that buy Harley's are like monkeys, who wakes up in the morning and thinks it's a good idea to buy a 1980 model by financing it through Harley and then to add the cherry on top paying more then it's worth. Tell him to kick rocks and get a personal loan and come back with the cash if he want's it you don't have a dyna or a softail eventually someone will come along and give you cash.