I think Coral Bay is about the only place you may be able to truly live aboard... most others are seasonal at best. Cruze bay dose have a group of "standard" that come in for a while but I have never met one that lived full time.
One not often thought of "method" of being a live aboard for at least extended periods may be to work yourself into a volunteer position with the NPS as a Bay Host. I know several effectively live aboard in the bay they are acting as Host in but do have to do a bit of "work" welcoming the new boaters each evening... even when the weather
may make you want to keep your dink tied up along side and stay dry.
Not sure of the exact procedure to become a host, did look at the web site some time back but don't recall
the specifics. The ones I know appear to have one member
who "works" ashore but comes home each evening. Alternates do exist as I have seen them take weekend get aways or even seasonal get aways and alternate Host perform the function.
These are typically really nice people who are great at letting you know what is going on and where to do what such as snorkeling and when and providing good safety
advise. I understand the Que to become one is long for most locations but it may be worth checking into.
I know of two boats that are live aboards at Christmas
Bay on Greater St James and they dink into Cowpet Bay and go to work in St Thomas. I've seen them jump in a small dink with kids
to take them to the school
drop off and go to work, on mornings I would consider too bad to pull anchor
and go for a sail... of course I'm not in the have to go to work this AM mode when I'm in the area
ONLY 5 days and a wake up!!! I'll be back in the area.... may as well already be their as I have spent most of the day showing my 1st set of guest crew goggle maps of the places we will go on their 14 day swing around St. John with a short diversion to West End BVI at the end of their vacation
... then I have the boat all to myself and I'll probably hang around Waterlemon for a week or so then which ever way the wind
seems to want to take me or allow me to go with out appearing to work at it
until the weather
or July comes around when I'll have to put her on the hard
and go back to work... if you can call what I do as work
I just told the lady that owns the Office building my offices are located in that it is getting too expensive to drive to work and live in Florida so I was going to the Carib and live aboard my yacht... she said she was going to hurt me