My
family is researching
boats with the intention of going
liveaboard when we emigrate to the
Netherlands in a couple of years. The problem is there are a lot of us! We need a place that five people can live on full time, with three or four more visiting sometimes, and that'll hold a gathering of thirty or so for a party (not staying the night, and can be on
deck, so that part probably won't be as much of a problem). Add to that the fact that my husband is a BIG guy -- he can't fit into those tiny passageways and showers on the 40-foot
boats I see. But the big ones tend to be fancy and expensive.
I don't need a superyacht! I need a home, that sits in the
water instead of on land.
Some of the options we're looking at:
-Literal floating house, rather than a true
boat. Solves our space issues, but also tend to be expensive, and besides, we actually do want to be able to go places in it sometimes. (I'm not worried about getting something too big for us to crew it ourselves; we won't be traveling in it so often that we couldn't hire temporary crew if we needed to. But I don't want to
rule out traveling in our living space altogether. It sounds like a blast.)
-Houseboat, of the long, rectangular sort that's made for freshwater. Solves our space issues, probably affordable if we get it used, but I hate them. They feel like RVs to me; everything plastic and with no
interior sound
insulation. Besides, we might very well *not* be on freshwater, and they don't do so well in
salt.
-Big
trawler type beast. I'm not sure how feasible this is. I've certainly seen them used in our
price range (under about $750K for sure, under about $600K by preference), but I don't know enough about boats yet to have any sense of whether the ones I see in that
price range are notoriously falling apart or something.
-Cheap
commercial boat and then gut the
interior and have it redone ourselves. This is a really appealing option if we can swing it. A
ferry or something that's big and stable and has a lot of inside space we can make into whatever we want would be ideal. Problem: I have no idea if this is actually affordable. I've seen boats in the right size range for under $250K, but again, I'm not sure if everybody but me knows that anything in that price range must be ready to sink and there's no point in even looking at them, or what. And while it seems to me that one *should* be able to do a full interior
renovation for under $400K -- you certainly could for a similar-sized house -- I'm not sure if the ways that
renovation is different for a boat would drive up the price to where we couldn't cover it. I'm also not sure about the differences in getting a loan to buy and getting a loan to renovate. On land, sometimes the latter is harder; I have to assume it would be on the
water as well (although if necessary, we could probably finance the
purchase but pay for the
refit out of pocket, if it's not more than my
current estimate).
Does anybody have any thoughts on whether any of these options are possible? Or another option that I haven't thought of? The big yachts with glorious interior woodwork and four different outside dining locations are lovely eye candy, but c'mon, we don't need that. We do need four cabins, a bathtub (we can get that put in so long as there's space to put it; I don't need it to come with one), and comfortable width in the walkways and showers for a 300-lb. man.
I'm planning to hire a buyer's
broker when it's time to go get our boat instead of doing advance
research, and I'm sure they'll help. But I'd like to have a sense for what to tell them we're looking for.
Thanks, all. Please forgive my naivete in advance; I'm very new in this world of boats.