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I strongly agree with the post by Take Five! I am still paying for my lesson, on not having a survey done, on my Buccaneer 305. I have to agree, that if you are unable to afford a survey, it will be difficult to afford the boat.
I don't know how easy it is, with a Cat 22, to access the bilge, but I would suggest checking the stringers that secure the keel. In my early days of pocket boats I almost bought a boat without a survey. It turned out that the boat would have needed a minimum of $1500.00 worth of work, due to what appeared to be a small crack in the rudder, before even being able launche. That was also before accessing the condition of sails, stays, lines, or any other issues the boat might have.
A survey can be very affordable. I talked to the manager of the marina I use, who recommended several surveors. I was able to get a written survey for $250.00. That survey saved me
thousands of dollars in needed repairs had I moved forward with the purchase of that boat.
There are many boats on the market in your price range. For instance, I have a 27' Oday for sail, in excellent condition, and I have it listed for $3900.00. It includes a spinnaker, auto pilot and many upgrades. In my opinion, a survey is a must unless you posses an intimate structural knowledge of sailboats.
Remember, there are far more boats on the market, than potential buyers. A simple internet search for sailboats, for sale by owner, will pull up a large number of options. There are also many boats for sale through not for profit organizations. Some people choose the tax deductions over the hassle of selling an older boat. I bought a boat through one organization and found the staff to be very helpful in identifying any big ticket repairs.
I hope my advice is of some assistance.