Free advice is worth what you pay for it...
That said, I would make sure that it is understood that your offer on the Catalina 36 was contingent on the results of the vessel being surveyed. Then I'd spend $500 to $700 to get her surveyed. I would then negotiate the final price based on the results of the survey.
No offense meant by this, but; IMHO for you and your hubby, as newbie sailors, to consider living on an anchor with your cat, and parrot, is nuts. You will all be much happier in a slip.