I don't know if it's relevant to you but a few different folks I've met have been able to finance a yacht with a traditional home loan by indicating the yacht is their primary residence.
They did not inform the loaner that they were going to sail it to the tropics, but didn't have an issue with it in the long run.
The biggest obstacle they, and you will find, is insurance
in the BVI during hurricane
season. Most ins companies define hurricane
season as may 1 to nov 1
Biggest prob my friends have had was the ins company telling them they had to get the yacht out of the zone for those months.
Otherwise, yachts typically have to pay double the price
on ins for those months to stay in the zone, but that's paid off yachts..
Not one to issue advice much, but you might consider just buying
a more affordable yacht.
I can tell you from 15 years cruising the virgins, the experience is the same on a 30 ft classic plastic as it is on a larger yacht, just more affordable to run, maintain, haul and outfit.