Same friend of mine also had and still has a Cape Dory 33 sail boat which he lived aboard for three years or so before he got the Grand Banks. That was some spartan living, it was a bit cramped at times for him. So then he got the GB. He just sold the GB last year and kept the sailboat. He also live on land now. If I were you, get the small house inland and put $50 k down on a 36' Cape Dory , beautiful sailboat and own it . You can find them for that price in good shape. Nice layout and pretty roomy. Or for less money and also a great boat a Person 35' .