Generally, most boats that are "cheap enough" are really going to cost you some money. I don't know what your financial status is, but if $20,000 is not a significant downside, do yourself a favor and spend the money for a good survey and buy a decent boat to begin with... You often get what you pay for—in spades, in many cases—and buying a "bargain" boat is often a good way to spend lots of money on a boat.
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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.