yes it's true, $20K kind of limits your choice, but look you´´re a sailnet guy, so maybe I can offer you something attractive. I am going to offer mine at 29,000. She needs a new shaft seal, but if you want to take care of that I can let her go for near the price you are thinking of paying. She is a good clean boat. I can send you a full description and fotos if you e mail me. She is in Key Largo.