Ok, here is the info, we have sailed to many places in the south Pacicic out of Vancouver on a Fraser 41. We are retired in Greece now very close to Kefelonia, etc. we have an ancient apartment here that's clear title that can be used as default guarantee. We cannot get a loan, period, as the banks are not lending money. Although we would like something reasonably nice, I don't expect to end up with a Swan. As far as sailing experience goes we have more salt under our armpits than I would say most people have under their feet, no exaggeration just a fact. Down payment would be determined by the amount of the boat cost. Can also give security against US land titles we have. Tag, your it.