Lots of Questions

[NYSAIL]

Hello Everyone,

I'm new to sailing, I'm working my way up to bareboat certification. I'll be chartering for a few years, but plan to buy a cruising boat eventually.

I am starting my research now but there is daunting amount of info and boats out there. My first contraint is obviously budget, I surely would need a boat for less than 100k and that would be stretching it. 50-60k would be more realistic. I would like a boat between 32 and 40 feet. The order of my boat attributes would be seaworthiness first, then comfort and lastly performance. Other than that I'm open to any thing else. I can repair the interior as long as it's seaworthy.

Any info or links are greatly appreciated, but I have some pretty basic and probably stupid questions:

-Who pays the broker commision on a boat sale, buyer/seller?

-What is the length of financing options for a used boat, ie how many years can I stretch put the payments for?

-What brands are luxury and what brands just give you a seaworthy boat without the unnecessary luxuries? (e.g. a toyota is a good car, but a lexus is a nicer toyota)

Thanks for any answers, I know these aren't the most interesting or intelligent questions.