Look into a used 23' Sea Craft (if you can find one). Best 23' hull ever. Like one of the earlier posts, I agree, Used boat, new power. If you can get hold of a nice hull and repower with a Suzuki 250 4 stroke, you will have a SWEEEET boat. 25K should be doable. I also like the idea of taking a few charters for the reasons mentioned. Here's a link to a finishd one Saw this at the boat show last year. AWSOME
http://www.yachtworld.com/boats/1671905/0 Also Check Out
http://www.yachtworld.com/core/listi...=Stern&photo=2