Running `payload migrate:create` without /src in repo fails

[Jorgen1040]

Describe the Bug

The command won't run in a repo without a /src folder.

Users/jorgen1040/Documents/Code/migration-create-src-issue/node_modules/payload/src/bin/migrate.ts:100
        throw new Error(`Error creating migration: ${error}`)
              ^


Error: Error creating migration: ENOENT: no such file or directory, mkdir '/Users/jorgen1040/Documents/Code/migration-create-src-issue/src/migrations'
    at migrate (/Users/jorgen1040/Documents/Code/migration-create-src-issue/node_modules/payload/src/bin/migrate.ts:100:15)
    at async runBinScript (/Users/jorgen1040/Documents/Code/migration-create-src-issue/node_modules/payload/dist/bin/index.js:112:9)
    at async bin (/Users/jorgen1040/Documents/Code/migration-create-src-issue/node_modules/payload/dist/bin/index.js:45:29)
    at async start (file:///Users/jorgen1040/Documents/Code/migration-create-src-issue/node_modules/payload/bin.js:30:7)

Node.js v22.19.0

Link to the code that reproduces this issue

https://github.com/Jorgen1040/payload-migrate-issue-repro

Reproduction Steps

Simply run npm run payload migrate:create and see error

Which area(s) are affected? (Select all that apply)

area: core

Environment Info

> migration-create-src-issue@1.0.0 payload
> cross-env NODE_OPTIONS=--no-deprecation payload info


Binaries:
  Node: 22.19.0
  npm: 10.9.3
  Yarn: 1.22.22
  pnpm: N/A
Relevant Packages:
  payload: 3.61.1
  next: 15.4.4
  @payloadcms/db-mongodb: 3.61.1
  @payloadcms/email-nodemailer: 3.61.1
  @payloadcms/graphql: 3.61.1
  @payloadcms/next/utilities: 3.61.1
  @payloadcms/payload-cloud: 3.61.1
  @payloadcms/richtext-lexical: 3.61.1
  @payloadcms/translations: 3.61.1
  @payloadcms/ui/shared: 3.61.1
  react: 19.1.0
  react-dom: 19.1.0
Operating System:
  Platform: darwin
  Arch: arm64
  Version: Darwin Kernel Version 23.5.0: Wed May  1 20:13:18 PDT 2024; root:xnu-10063.121.3~5/RELEASE_ARM64_T6030
  Available memory (MB): 36864
  Available CPU cores: 11