Hello jimbo 747, after reading your thread i did along with others on the forum think that you may be biting off more than you could chew, however after reading several of the comments I think Ihave had a change of view. As you say you could buy a boat outright ,can I suggest that you might think of purchasing something like a bigger ex hire boat(black prince etc), they usually have loads of sleeping accomodation for the holiday crowd, this may give your boys some privacy,you could have it altered to suit you and after say a year, put in an order for your ideal bespoke boat, or forget the idea altogether and go back on the bank. Having said all that you will still have the unenviable task of pulling together boat ,job,moorings schools. My heart goes out to you mate ,best of luck. Chris