Someone mentioned stacking shelves at a supermarket at night as a second job. Apparently it pays around $25 an hour, and it might negate the need for you to put your child in day care (saving more $$$).
Maybe look at other forms of investing where you can start off with a smaller loan in the meantime (ie. the sharemarket). Obviously you have to be very careful in these times and keep in mind the time frames you are looking at, but there could be some good buying opportunities in the short term. But just don't rush! If it feels like you are taking a gamble or aren't really comfortable or familiar with it then it becomes risky, and isn't really worth doing. Just some more ideas.
Maybe look at other forms of investing where you can start off with a smaller loan in the meantime (ie. the sharemarket). Obviously you have to be very careful in these times and keep in mind the time frames you are looking at, but there could be some good buying opportunities in the short term. But just don't rush! If it feels like you are taking a gamble or aren't really comfortable or familiar with it then it becomes risky, and isn't really worth doing. Just some more ideas.