I think you're best taking out a loan (any room on a PLC?) and paying it off over the course of 5-10 years or so. Budgeting for this over two years still involves saving about $1666 per month just to pay it off. You could re-coup the money with an increased sell value when you decide to do so.
Just look at it as an investment in your property value, and hopefully it softens the blow.
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