New plan: Save more money, buy a better boat. Next time, avoid cash.
Like I said before, a lot of boats pop up here and there, some are really good deals. I'd just keep an eye out and see what you can find, if you are patient good deals come around. I wouldn't jump on anything you aren't crazy about or that smells like a scam. Be warned, there are a handful of boats in the area that have been repeatedly listed for almost 9 months now...
I'd also make sure you extend your search range to be no closer than Jacksonville (searchtempest.com helps) and about the same distance south. You'll find a lot of stuff in that range.
Might call around to some yards/marinas too, see if they have some boats they have to collect on or know are for sale, I know Titusville Muni has at least one and Westland has a few boats that appear to have been there a while. You might have to put some work into them, but I know by walking around the yard and talking to people, there are a number of otherwise good boats that will go for cheap because they've been abandoned by prior owners. Don't quote me on that, though, it may just be marina talk
Just be diligent and patient, lots of stuff in our area. To put it into perspective, I saw a nice Cape Dory 27 with an inboard, nice interior, nice sails, etc sell for around $6500 a few months ago. Owner bought something else, wanted it gone fast. I've seen a few other similar deals (Bristol 27, Albin Vegas)