Hey, just buy the boat and do it! I was in your same situation - sick of renting and roommates, loving the ocean.
I bought my first boat 6 months ago for $30,000 and live on it alone as a lady pirate. The first weekend, I had to learn that you can't flush t.p. down the head - but hey! Live and learn.
If it is your dream, go for it - the rest will come in due time.
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Pirate' s Booty