You can't really put mk IV on a miranda unless you're lt commander. You're stuck with good ol' mk II gear until you rank up. You can always get bonuses from Memory alpha though.
Assuming you hit LT Commander. The best way is to buy them. By LT COM you should have a decent chunk of change.
Where do you buy mk4 gear? I know you can buy mk3 in the romulan sector. I was getting the impression (from open beta, anyways, through lvl 31) that mk 1,3, 5, were for sale, adn 2,4,6 were for badges.
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Assuming you hit LT Commander. The best way is to buy them. By LT COM you should have a decent chunk of change.