At 56, a New Englander transplanted in Florida--Here is your best deal. search Craigslist in Florida. There are real bargains. Be willing to pay a deposit and drive down and get it---you'll save thousands.
Floridians hate aluminum boats unless they look like a jon boat or have an ariplane motor mounted on them. For your budget, you will have equity immediately. For example, My current boat is a 2010 Lowe 175fs.
I paid $8000. (new is $35 k+) The boat was barn kept and never used. The 90 Etec had 63 hours on it and I sold it online for $6000. I replaced it with a new 90 yamaha 4 stroke, mounted removable downriggers,
added an Ulterra by minn kota--it is perfect for intercoastal fishing here, bass fishing here, and we tow it to the reservoirs of the south and up to the finger lakes or new england for 2 weeks every summer. On this site, ebay, or walleye central; my boat would fetch $15 k and i am into it for $8500.
check it out--if you are careful, you will find an old northerner who realized it is too hot to fish here, or his health is not what it was, or he bought a flats boat-- and his deep vee tin boat is just sitting.
i have flipped 6 boats in the last 10 years--half were rebuilds, 1/2 were just flipped -----(2006 crestliner w/ 150 merc 4 stroke(190 hours)-- i paid $5500 and sold it in 2 days to a michigan guy for $10.5 k and could have gotten more)
feel free to pm me with any ?'s.