You're not going to find a new m90. Refurbished yes, but new no. IF you go turbo then the kit will include everything(almost) new.
If you already have a shop in mind get an estimate for both builds. It'll give you an idea of how much it'll cost for you not being patient. It's one thing if you have the money but not the time, but with you saying money is a little bit of a constraint, i would at least consider doing it yourself/with some friends.
I have a shop near me i trust. They quoted me $1400 labor for a cam install, no parts included. That right there convinced me to do it myself. Save that money if you can dude.