I found a great deal on a house i want to purchase. The house is only $49,000 and probably needs around 10k in work. So worst case scenario is 60k. I can get approved for a rehab loan, but they have too many stipulations. (plans, certified contractors, 1st time classes) and that would at least double my repair cost, since i plan on fixing it myself. I have 10k saved so i need around 40k to purchase the house. After i fix it, i can then get a conventional mortage. So i need to find money for 6 months, then pay it off. Where should i get this extra cash. Can i get a student loan. I have mostly scholarships and currently only have 3k in studen loans and i’m a senior. I can get 15k from my credit card at a low interest. I can refinance my car and take out another 15k in equity from my car. Or i can ask my mom to do a home equity loan on her house and borrow it from her. What’s the best way to do it.
Some more details: I am approved for the rehab loan, but obviously not a conventional mortgage, since it needs work.

I do have a job, and make enough to cover the mortgage, plus i have two friends that will move in with me. I can get a conventional mortgage after i repair the house.