Honey, IVF does have positive stories attached to it. It all depends on the person.Some people conceived in the first attempt. Others get success in like several attempts. Some did not get success at all. Also, you are right it is impossible to find a surrogate personally. The easiest way is to consult a clinic.Even if you wanna go for IVF you can have multiple attempts in the same amount of money. Your money will not go in vain. Find a clinic that offers many attempts. It will help you cover your financial issues. These clinics can also search a suitable surrogate to fit your needs.The legal matters are also taken care of. Just go for it. I can assure you will be a happy mother after few months.