There are several catamarans on the 'owner for sale site' that are within your budget. There is a PDQ 32 that they are asking $89,000. I see some nice boats there once in awhile, and you can sign up for alerts. Since they are for sale by owner, there may be more negotiation room, since there is no broker involved. Give it a look, unless you have already discovered it.
Thank you for the heads up on the 32 PDQ. We are really wanting to stay above 37 ft. A 32ft on a open ocean crossing, we feel is very small for us. Not saying it cant be done. Out of the boats we have been out their in we have never looked at each other and said wish we were in a 32ft.
We are fully aware that the 120k is limiting us but it will work out in time.
I do like the catamaran owner site I much prefer dealing with a owner over a broker.
Thank you very much and please keep a eye out in your cruising grounds.