As has been mentioned, almost all second hand boats will have problems, in fact many brand new ones aren't perfect, but if you are handy and befriend YouTube, there aren't many jobs that you won't be able to tackle yourself.
The two big and expensive issues that you do need to look into, as others have mentioned, are the hull thickness and the engine, as both may cost many, many thousands to put right.
For someone new to boats, particularly steel ones, a survey is essential, but even more important is a full hull thickness survey and a report on the engine by a qualified marine engineer, as many surveyors definitely aren't engineers.
As a live-aboard for four years, the first thing that I would look for would be insulation, as steel conducts heat very well making boats with little insulation both hot in the summer and much worse, cold and dripping with condensation in the winter.
You would be lucky to get it in your price bracket (I assume), but nothing can beat spray foam for insulation and its ability to seal the steal from condensation if you can find it
I hope the survey goes well for you and that you enjoy your new life afloat.