<prompt> Human: My husband and I recently bought a beautiful old home that needs a lot of cosmetic work bathrooms, kitchen, floors, etc, but is sound otherwise. It has a good roof, new AC, new furnace, good wiring, good foundation. We planned on working on it ourselves slowly over time, but we just found out we are expecting and our timeline is changing to get it all done before the baby comes. We both work and, after taxes and benefits, we bring in 66k. We have about 4k in regular expenses each month. And of course, we will be preparing for baby. I am expecting to make more by the end of the year after receiving my credentials, but do not want to bank on this happening just in case. We have a 203k loan type, which was maxed out to the value of the home, so there really isnt any leftover equity in the home to draw from. Any good ideas on how to finance about 30k in renovations ASAP?  <response>: If as you say its just cosmetic I would wait on the renovations until you can comfortably afford to do it, and do it yourselves slowly over time like you originally planned now only the timeline is longer. 