I'll ditto the advice
above to focus on the bones of the boat
, find one with the layout and berths you need. All of of the other can be added or gone without.
Just note, I have read accounts of families that have cruised without having a separate berth for each member
. I remember when my brother, sister and I would visit my dad in his first apartment, after our parents divorced. He had one bed
other than his own. Whoever did the dishes got the bed
, the kid who dried the dishes got the couch, and the third kid got the floor. Then, we rotated the next night. Granted, it was only for weekends, but kids
We have friends that cruised for 6 months in the bahamas
with a 13 yo and a 3 yo, sharing the same aft berth.
If I were you, I would pay close attention to boats coming out of charter
, or ex-charter boats in the states that are older. If you can find one with two aft cabins, you are set. If you consider center cockpit
boats, your chances of finding one that you can live with will increase significantly.
Getting all of your list, or even a big portion of it, for the $$$ you mentioned, it going to be near impossible, unless you stumble upon that deal of a lifetime. The trouble is, they are very few and far between. I would not bank on that happening.