Do you want to fly at night or and in IMC?
Do you mind getting your hands dirty?
If so then you could buy an LAA type outright for less then 20k and run it on 5k a year all in (at least in my area). If you want IMC etc then you need a c of a machine and 5K will not work, but you could go for a share.
Typical running costs for an LAA type;
Insurance £750
Hangerage on a strip £1000 (in the midlands)
Maintenance £1000
Fuel (100 hours) £2000
Rod1