Definitely do your home work know what that boat is worth .
Usually you don't see a lot of boats only 5 to 7 years old but in this economy you will .
I just participated in a auction with mvsb on a 6 year old 20' MARHIA
bow-rider
I didn't win with my low-ball bid .
The type of boat you are talking about probably went about $1,000ft new maybe a little more without a trailer you would be looking at spending about half that.
I would certainly look to lenders for your best buy this off season
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