If you want this to be a success, you've got a lot of homework to do and the best way is to start reading. Either real books
or searching web forum posts.
You'll need to pay for a survey--and if you don't take the boat, another survey
on the next boat, etc. You'll need to go see the boats, because boat brokers are as honest and trustworthy as used car salesmen. And they make experienced horsetraders look like amateurs.
Plus, you'll need to pay sales tax, probably 6%+ in Florida
. And once you find the boat, odds are that it can and will quickly eat $10,000 for new rigging
, or sails
, maybe bottom paint
, maybe electrical
updates or other repairs
In order to keep it at a marina (and they don't all allow liveaboards) you'll also need at least liability insurance
, and since you have no sailing experience and the boat may cross the magic "over 30 years old?" point in order to make your budget
, that's gonna cost too.
Around the Keys there's also a lot of shallow enough water
to make running a boat that size aground easy, so towing insurance
and insurance on the boat, which includes coverage for spillage and environmental issues, i.e. in Florida
, if you drag up sea grass, they'll hunt you down and you'll literally pay to have it restored.
There's a lot more to living aboard
a sailing vessel than there is to, say, moving onto a houseboat. It can get complicated, especially if you will be the only sailor on board.
All these things can be overcome, but I'd really suggest starting out with some books
by full-time liveaboard
cruising authors, and a lot of checking out old forum threads, because if you just ask questions, you'll get a scattering of answers that probably will miss a lot of points that you'd encounter in some good books, which are more likely to be comprehensive by intent.