So, with no further ado, here are my 4-season liveaboard picks- others may have different ideas.
Under $125K, that meets the sub- 20 year financing criteria:
1991 Nauticat Motorsailer Sail Boat For Sale - www.yachtworld.com
Nauticats are tough to beat as a liveaboard, but not cheap.
1994 Pacific Seacraft Pilothouse 32 Sail Boat For Sale - www.yachtworld.com
Under $50 K, if you can swing cash:
1989 CAPITAL YACHTS Auxiliary Pilothouse Cutter Sail Boat For Sale - www.yachtworld.com
This one has been on the market for over a year- they might be open to offers:
1982 Tanzer 10.5 Pilothouse sloop Sail Boat For Sale - www.yachtworld.com
Real money on these is under $30K. the only two that have sold in the past two years have sold for under $25K. IMO they can be a great couples liveaboard, if arguably not the most attractive boat on the water:
1975 Fales 32 Navigator Pilothouse Sail Boat For Sale - www.yachtworld.com
Lots of other options out there- a Fisher comes to mind, but beyond budget for cash and beyond age for financing, same with Endurance, Baba, Saturna, etc.,
I have taken a look at these suggestions and I have a few comments:
Firstly, the 20 year restriction that banks put on a boat is for amortization. The banks don't want a borrower having a balance owing on a boat older than 20 years, so for example if the boat was 9 years old, the banks want you to pay off your boat in 11 years before the 20 years is up.
Therefore, the boats valued over $70k and older than 10 years would not be easy to get financing on.
The other concern is the proximity to my location (Waterloo, ON, Canada). I want to be able to inspect my boat before purchasing or ordering a survey on it. And I also don't want to have to pay to trailer it to Lake Ontario.
So for those reasons, none of these listings are for me.
For my first boat, I want something that is on either Eerie or Lake Ontario.
My revised budget (after having carefully considered all the advice given to me) is $80,000, but I'd prefer something in the $50k range.
I'm still on the lookout for a liveaboard boat. I'm currently considering the CS 36 Merlin. Any thoughts on these boats? The only problem I see is I might not be able to swing the cash.
EDIT: I know my last question was in regards to the Hunter Vision 36, but although I'm sure it is a decent CAT boat, it seems to be a bit of an orphan, and I doubt it would be easy to sell. (As a buyer, you should always be looking for resale value.)