My advice for what it’s worth:

1. Always plan to let the dealership (a real one not buy here pay here dealer) find your financing. Your bank or credit union may have a better deal and it’s easy to change over once vehicle is in your possession, but the dealership will make a better price for you (sometimes even a loss) if they’re think they’re making money off the financing. It just speeds things along.

2. A factory certified car really doesn’t need an independent inspection. I mean it’s not wrong thinking, but they all use a long inspection list to ensure it qualifies and usually has a good warranty too that will cover anything for you.

3. If he had $11,000 yes only putting 75% down means he keeps a reserve in case he needs to change jobs etc he can still cover costs.

4. This loan setup won’t do anything to help your son build credit. Maybe apply for a low limit credit card from Shell for instance with both your names. He can use it for gas and budget to pay balance each month and build credit slowly.