The Moorings and Sunsail schemes are guaranteed to lose you money
plus you'll not really have a boat fit for liveaboard
at the end of the term and it'll only be worth half what you paid for it.
I've had my boat with a smaller company for five years and have been lucky enough to have all the bills paid for including a large loan out of charter income
. When you factor in depreciation I would still have made a loss but since I'm not planning to sell that is for the time being, pretty irrelevant to me.
In that 5 years I've also crossed the Atlantic, sailed much of the Caribbean
and generally had a great time all because I came up with a plan similar to yours but - and I think this is important - slightly different, in that I took the risk of not going with a guaranteed 'income' scheme and chose my own boat.
In a few months time Jeannius is coming out of bareboat
charter and I'm retiring to liveaboard
and do some crewed charters.
Happy to talk more about all this privately if you wish.