This market is a buyer's paradise. I would think an offer 25% below asking with no financing
conditions should be met with a positive response. If you are not in a hurry, and are willing to spend a lot of time and effort looking at listings, you may be able to buy a nice boat for even less than 24% below listing price
if you negotiate well and are patient.
Older (1970's and 1980's) Albin trawlers built in Taiwan
can be a good buy but make certain you have the bottom surveyed for blister problems and check for fuel tank
problems. Albin also built express trawlers about 36-feet in the 1990's in the U.S. and they are decent boats but the layout is a bit odd. Monk trawlers might be a better bet since they have a traditional aft cabin
layout giving you some separation between you and your offspring. Quality is OK.
If you are willing to look at boats without aft cabins you may want to consider Cape Dory
36, or look at some older downeast style boats.
Good luck! I envy you moving to the Bahamas -- there are so many superb places to cruise in the Abacos and Exumas