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 are flexible.
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.
Chris