My reply is a little off topic since we went with a small charter
company that is associated with a larger fractional ownership
company. We bought a new Lagoon 400
and placed it with Sail Caribe on the Eastern Coast of Puerto Rico
. Sail Caribe is associated with SailTime so if we wanted to use a SailTime boat out of one of their other locations, that's available.
The costs, returns, and owner use options are in line with the bigger companies but we feel that our boat is being better maintained because it's small enough that we know the individuals doing the work.
A big part of our decision was that the big companies wanted to decide which boat, where it would be located, and which options we would have. We configured our the way that we wanted it.
If you're not ready to cruise
full time or even semi-full time, I think that buying
a boat and putting it into a charter
agreement is the way to go.