Hi there, we could do with a little more detail, intended cruising range, duration, crew size etc. .
Have you considered or eliminated certain rig types, keel
types, construction materials? With the info given above and the "offshore" (covers a lot) requirement, I would research
full keelers like the Rustler 36, Tradewind 35, Lord Nelson
, Hans Christian. Other good U.S. pedigrees are Passport (Annapolis), Valiant (Texas), or Hylas
(?). Why the fit-out reserve unless you want to know and trust every inch of the boat and take the time (and possible cash over-runs) to do it. I imagine you could pick up a boat at 110-115% of your total budget
(when cash discount and persuasion has been applied) that would need very little to be cast-off-ready. Once you settle on a brand and size, there's lots of help here! Many other good threads on this subject here too - look up one posted by annegibsonwaco. Best wishes and Fair Winds!!