It’s a business for the dealer and “Time is money” for the dealer .Why the confusion? Just fess up now, that it’s on your near future planned purchase; but you simply don’t have the necessary scratch right now. He will appreciate the candor,
otherwise the dealer might get “the wrong end of the stick” about you hanging around after 18 months of audition and indecision time, You’ve already had a full four auditions to date which can be interpreted as not insignificant if you are not yet a current customer with a history. Otherwise, it might impair development of a mutual business relationship.
If you are firmly and truly committed to a purchase in a scant 3 month time, you can initiate mutual benefit by considering putting down say… a 25% deposit now ..on a layaway plan that also secures today’s pricepoint for you as a hedge against the likely near-term price hikes.