You might be able to find a pre-owned Rockna Wavedream DAC and pair that with an affordable streamer like Roon Nucleus within your budget. That would give you a killer combo. You can always upgrade the Nucleus to the Wavedream NET when budget allows. The Rockna DAC will have a much larger impact on sound quality than the NET streamer.
The Wavedream NET is an excellent piece of gear and besides serving as your streamer and storage device can play CDs with excellent sound quality. I kind of like the savings, convenience, and sound quality of used CDs.
This is where I ended my digital journey. My digital front end is so good now that I have occasional thoughts of unloading all my vinyl. Thankfully those thoughts are fleeting.