Surely, you MUST be kidding if you are even considering paying anything REMOTELY close to that amount of $ for that car!!!!
If you are, why don't we do this:
I find you the same car, or better for $30K, and you pay me $15K commission/finders fee.
That will save you $3K for upgrades.
PM me if you are foolish enough to do either deal.
You can do much, much better than a high-mileage, theft recovery, key damaged 97 for $48K... !!!!