Two things come to mind.
1. Mortgage companies don't like high credit card limits on applicants credit applications. It doesn't tell them, "he's been good with his money". They figure, he's going to furnish the house with his credit card. Another way of saying, we buy what we want-not what we need.
2. I always have to tell myself, in any big purchase, that this isn't the only one like it out there. There are other "immaculate" boats and, in my experience, always cheaper than the deal I just closed yesterday.
Sorry to rain on you, I just think you should own the boat and not vice-versa.