I think you'd do fine with a 5 year old boat from a reputable dealer with a warranty. That would save you a ton of cash and get you in a boat that was less hassle. My last boat was a 20 yeas old hull and a rebuilt 15 year old motor: Bullet 21XDC with a Merc Racing 2.5 ProMax Short Shaft. That boat ran me $8500. I paid cash for it. It was an 85 mph, 22', dual console, glitter rocket.