Understandable. Then I would pull the motor and diagnose it. If it needs a cam I would check classifieds here for a used cam and see if you can get one for like 50 bucks or something if you need a cam. All the seals and gaskets I would go with aftermarket and do the best you can. Just ask us here what is good aftermarket stuff so you don't get junk. A cruiser can be fixed on a budget but it takes more labor.
I’m really in no position to be doing half this stuff financially much less buying another engine.

. I don't remember exactly. It may have been a 2 ton bottle jack or the OEM jack. I may have used the OEM because it's not going to loose pressure if left overnight, but the motor mounts would have been in place to support the engine. I may have used the bottle jack for a higher reach. Either way I likely stacked boards to raise the jack to easily lift the engine.