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OK, buying a home I am putting around $30K of repairs into. The $30K is financed with a 203K loan. This covers the must-do's, but I have a list of want-to's, maybe another $25K. What is the best way to handle this? Home Depot offers an installment loan (84 months @ 7.99%), or I could apply for an HD Card, but not sure if the limit would be enough to cover everything and I want some certainty on when it will be paid off and how much it will cost me, or I could do a HELOC, or maybe even a cash-out refi? Thoughts?