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What would be good financing terms on a $30k houseboat?

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So I live in the DC metro area and rent is absolutely ridiculous up here. Plus, I have two dogs, but one is staying with my parents until the end of my lease which allows one dog at which time I am expected to have found a way to take my other dog from them (I’ve been in the area less than a year). I’m thinking about buying a 30k houseboat and liveaboard marina and living on it. I’m just wondering what would be a good interest rate and length for such a deal. The boat is old (1975) but in good shape. I think that convincing a lender to make a loan should be easy considering I have mid-700s credit, very low balances on current credit accounts (<k combined) and all in good standing, and currently pay more in rent than what the loan + utils + slip fees will cost. Something tells me that a bank still might be flaky about a 1975 houseboat. But could I get 6 or 7% for 5 years with 10-20% down do you think?


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May 9, 2010 at 12:03 am Comment (1)

Where should we stay while visiting the Caribbean?

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My brother, his wife, our cousin, myself and hubby took a cruise this year, went to St. Thomas, St. Croix and Barbados. We fell in love with the water. Our family wants to do it again next year. We did not care for doing the cruise, we always seemed to be rushing to get back to the ship. We went on snorkeling trips, zip lines etc. Especially want to do snorkeling again. We are thinking of maybe renting a house on one of the islands or do an all inclusive. We love water toys, so any suggestions of which island to stay at and where. We are in our 50’s and do not want to be around a bunch of kids. We did see a houseboat that sleeps six online. Looks like we could rent that for our trip. Any ideas or experiences that you could share would be great.


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May 5, 2010 at 10:00 pm Comment (1)

Low-rent liveaboard life in high-rent San Francisco Bay

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Fiver Brown is a musician and the kind of guy who has worked as a rodeo clown and a sushi photographer, so he couldn’t really afford to buy a home in his current hometown of Sausalito with an average home price of 2.2 million dollars. So he bought a boat. Technically, he bought a floating home. It’s a former WWII lifeboat that had been converted into a small home and docked at one of the town’s historic houseboat communities. It’s only 13 feet by 37 feet (481 square feet), but the views are unbeatable. He watches stingrays and birds from the galley/kitchen and from his lofted bed he can peer down at his floating neighbors and the hills of Sausalito above. His home is paid off- though he still pays a monthly slip rental as part of the Galilee Harbor Coop- and he’s living right where he wants to be, in a town known for its arts scene. He and his band- Fiver Brown and the Good Sinners- perform regular gigs in both Sausalito and across the Golden Gate Bridge in San Francisco. Fiver also uses his small home as a place to write music and as headquarters for his local label, Floating Records. The docks here have always been a sanctuary: first for refugees of the 1906 San Francisco earthquake and later for beatniks and hippies. In 1967 Otis Redding wrote the first verse of “Sitting on The Dock of the Bay” while staying on a floating home here. Stewart Brand of the Whole Earth Catalog still lives here on a former tugboat. In this video, Fiver shows us his digs, including a walk-in …

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October 31, 2011 at 7:22 pm Comments (0)

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