I'm going to make this short!
I've been seeing this girl for the past 2 months now we are not bf/gf but we play around and shit. 2 weeks ago she gave me head in my car shes pretty fucking good at it , we kiss, i sucked her tits, I fingered her, she likes me to choke her when we make out, but we both want to take it to the next step but she won't fuck me at her house or mine we still live with our parents, we are 22 btw and she doesn't want to do it in a nice hotel because she thinks it might make her look like a whore and shes moving to California in 2 months she cant leave unfucked! I've been trying to fuck her since I was 14 so I turn to you guys to help a brother out.

WTF do I have to do to have sex with this girl?

Do it in the car, at night, in somewhere public, but where doesn't go too much people

Can you find a time to just bring her to one of your places while your parents aren't home? A sex location is anywhere where you have isolation and nobody can see you have sex. If you pump up her state enough near those locations you can try pulling anywhere while she is in the moment (bathroom, car, beach, park, etc.) What she says and what her actions tell you, are two completely different things.

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Update: We talked last night we kept talking dirty sending pictures of what we would do to each other and then she said "come thru my parents are sleeping" her bedroom is in the basement and she has a door that goes to the backyard so I went. it was one of my best night ever and we agreed to go to a Hotel that she looked online.