I would suggest that any boat between 35' and 40' in your price range is going to need more than a new head, laminates, and headliner. Unless it has been replaced recently (not likely at the prices you are thinking of) the rigging will need replacing and probably turnbuckles as well. If the electrical is original ditto. And there are items like soft decks which most boats have somewhere. Your 10k won't go far. Better to look for a boat that is newer and in better shape for more money that needs less.
Living aboard in Victoria Harbour