CruisingDad hit the nail on the head with his last comment about buying the boat in South Fla. We have a surplus of seaworthy used boats selling for a song. Don't get all caught up on a specific boat brand, rather look for a specific design. Blue water, reasonable draft,5 feetish or so. And the Caribbean is our back yard. It's true marinas in Fla. generally want insurance, but not down south. Liability is kind of an American thing. Mexicans don't sue eachother like we due. Central and south Americans shrug their shoulders at disaster and move on. Anchor
out anyway's and you won't need the insurance, don't let that be a deal breaker dude.