renting a liveaboard is generally not an option. Most owners can't rent their boats out as it would violate their insurance and probably requires some additional paperwork. Most boats that are capable of being liveaboards and possible to use without owning are charterboats...and the cost of chartering a boat for full-time, liveaboard use is prohibitive.... much more than the cost of owning your own boat in most cases...
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.