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· Sailing Junkie
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I know of a 1976 Tartan 30 in excellent shape for well under 20k that fits your criteria. You would have to add a little for going offshore, but in the meantime, it would make a great club racer on the Chesapeake. I would put as much as possible down and borrow from family instead of goign through a bank (if possible). I did this when I bought my T-37, my father lent me the money and made a competitive % rate, it was a win-win situtation....... and I did not have to tie up my credit!
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