You might consider a partner. I had two successful partnerships. It splits the work and the dough and provides a fellow enthusiast. I know, pride of ownership and all that, but when money and time are short it can be unexpectedly the solution.
One cup of coffee with a potential partner reveals compatibility, a handwritten agreement is all you need (no lawyers).
Matter of fact…I partnered originally with my parents. Dad preferred catamarans, my mom couldn’t even swim and (my then) wife wanted a house - NOT A BOAT!
I prevailed and overcame all of my obstacles. Our last name is Diehl, so the boats name naturally became “Big Diehl”. I worked hard and bought my parents share back. When my son “Cary” was 4 going on 5, I made him official half owner and renamed the boat “CaryOn” as I intend to have him do just that with her.
…Moral of the story, it’s a GOOD boat and has served us well for 50 years. Perhaps a bit larger with a bigger head would be better - BUT - she’s FAMILY with so many memories refreshed every time we step aboard.
You, like I did, are struggling to make it all happen. This ultimately will link and bond you even more to your boat - be it this one or another even better one.
Keep us posted! We’re all pulling for you!!!