[JohnDrake]

The cost of ownership includes:

The cost of money for the downpayment of 10%. On a 100k boat, 10k down, cost of money at 10%, this costs you $1000 per yr, not amortized. 5% sales tax is $5000 you do not recoup. Cost of a slip on the Bay is $3000/yr. Cost of a 100k loan over 20yrs is $878/mo all yr round.

Then there is depreciation, assume a 10yo boat, depreciate for another 20yrs thats $5000/yr easily, if not more.

Then there is yearly hauling and maintenance.

And...what if you get a Hunter and cannot sell it when you want to? You keep shelling out cash on the note, slip etc. And... you will pay 10% to a broker to sell the boat.

Hope this helps