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Dont give a non dealer your money without seeing a title. Without a clean title you will never be able to register the boat.
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EXCELLENT POINT!!!
Heck, the broker that I purchased from made sure that I had two bank checks at closing. One was made out to the owner (small check) and one was made out to the bank (BIG check). He told me that this was done to keep dishonest people from not paying the off bank loan and releasing the title. Guess there was a broker in Salisbury, MA that stole money from a dozen or so poor people who "thought" they had purchased boats.
Not sure how you legally protect yourself or do this in a private sale.