Legal Question in Real Estate Law in California

It makes little sense to have a co-borrower who would not qualify as the borrower. Are you sure your son is not also a co-owner? My suggestion is to ask a couple dealers who handle used cars of this type, as well as the dealer who sold you the car in the first place. Cars are neither "real estate and real property" nor are they exactly like other kinds of personal property, since they come under special registration and title rules that affect just about every aspect of ownership, including repossession rules. You really need a specialist in motor vehicles and you may need copies of the purchase agreement, the financing contract, and the certificate of title ("pink slip") to get a good answer.