Musk's father invested 20-30k in Zip2 out of a 200k angel investment. That doesn't seem like a huge deal to me. For context, Musk dropped out of a grad program at Stanford to pursue Zip2. How many Stanford graduate students could raise 30k from their parents for a business venture?

As for where the money came from, I believe Musk's father owned an engineering business. Or maybe it was profits from a share in an emerald mine - what does that matter though?