My question would be

“Why do you feel the NEED for the SUV”? Even though the operating costs might be the same now, I’d expect the SUV to cost more over time. So that would put you into a negative net situation. Also, you have to worry about actually being ABLE to sell your car. If you’re thinking that the SUV is a similar deal, why wouldn’t anyone looking at buying your car have the same thoughts? And you’re talking about getting ANOTHER loan, which just doesn’t sit well with me. But then again, it isn’t my money… It just doesn’t seem enough benefit to go through all the gyrations.