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and she says "No I'm not" or "I'm staying at my friends place" but she is smiling and laughing when she says this. Maybe she thinks I'm joking, I'm not sure.
Theres no way she thinks your joking mate, you've made your intentions clear, she knows that and she likes it. Shes enjoying the chase due to her smiling and laughing and would have been down for it had you got your steps right (attraction, comfort phases etc - buy the book The Mystery Method). A 'No I'm not' with no smiling/laughing would have had you in a much tougher position.
But for sure, if your home is no option then you have lowered your odds dramatically. You gotta move out, simple. OR have such good game that she initiates taking you to hers - one way Ive heard on here though never tried is to get as close as possible to k-close in the club and then hold back. This maintains the tension which she should want to relieve by taking you home, some guys on here say that k-close in the club causes the tension (and the bang) to be lost. I can see that...