I can appreciate the quandary you're in, jp, but it seems to me that your budget constraints make finding a 30'-36' vessel capable of safely taking you to the South Pacific
possibility, at best. Financing
such a purchase
is unlikely, as well, as any candidate boats will undoubtedly be more than 25 years old. Insurance
will be difficult to obtain, too, at least if you want it to cover you for the entire voyage.
If you should be "fortunate" enough to find what appears to be a remarkably good deal - say a 30' Pacific Seacraft
- at a price
that is way below what other such boats command in the market, beware! There has to be a very good reason such a vessel is priced inordinately low, and you will probably spend far more than the difference in rectifying whatever that reason is.
A possibility worth considering is trying to locate such a vessel already in the S. Pacific. Many sailors with bigger dreams than means often wash out after they reach that area, put their boats up for sale
in whatever port they abandon their dream, and fly home. These can sometimes still be worthy vessels at decent prices, just not easy to find, and then there's the issue of dealing long distance on something that's both your transportation and your shelter - literally, something you will be trusting your life to.
If you have the time and talent to invest sweat equity in a basket case, you might consider getting in touch with the Sea Scouts at MdR. People often donate boats they don't want to put any money
into in the hope that they can then sell for an attractive price
. They're realistic enough to recognize that the donation "value" is worth more to them than whatever they might ultimately sell the boat for.
The Scouts generally have more boats than they can use in their program, and those they don't want to keep are sold at very low prices. Most will need at least some work, but if you're up to it, and have the time and place to do it, this might just work for you.
Anyway, good luck in your search.