Taking a loan for a surgery, so I can keep cash for down payment?

[Boris Gabriel]

Hi BP Community! I want to start investing into rental properties... I worked hard and saved for many years and now I have $40,000 saved up (aside from my $15k emergency fund) to use as a down payment on a rental property... However, something came up and I will have to pay $20,000 for a surgery in a month, which will cut in half my $40,000 savings if I pay cash... :(

I was wondering if it would be a good idea for me to take a loan to pay for my surgery, so I still have the $40k cash available for a down payment... My local bank offered me a good 3.73% APR / 48 month / $20,000 loan which would cost me around $1,500 total...

Side note: I have no other debt except a mortgage payment of $1,390.

What are your thought about this? Is it ok to get into debt to free some cash for a down payment?         

Thank you!