Never had a boat, going to look at a Sea Ray 440 AC tomorrow. What should I pay attention to?

Discussion in 'Newbie Lounge - NEW' started by Texican1911, May 8, 2021.

  1. Steve S

    Steve S Well-Known Member PLATINUM Sponsor

    Jun 5, 2007
    Northern IL.
    2000 400 Sedan Bridge with twin CAT 3116's

    2000 340 Sundancer - SOLD!
    210 Monaco 1987 - SOLD!
    Twin Caterpillar 3116's 350 HP straight drives
    Pentagon Federal Credit Union has been great!
     
  2. PlayDate

    PlayDate Well-Known Member

    Dec 25, 2006
    Washington DC
    1994 370 Express Cruiser
    454 Mercruisers
    1987 410 is a nice boat. About $50-60k. It may be tough to find a lender for a 34 year old boat. Maybe a home equity loan would work better.
     
  3. douglee25

    douglee25 Well-Known Member

    Jan 13, 2008
    Dallas, TX
    Cruisers 3575
    Twin 7.4l
    For an unsecured loan, that's a solid rate all things considered.
     
  4. Little Ducky

    Little Ducky Well-Known Member

    Jun 5, 2017
    Dickson, TN / Chattanooga, TN
    1998 290 Sundancer
    Twin EFI 5.0L w/Alphas
    Kohler 4kW
    I got 4.84% with Lightstream a few years back.

    Pretty simple loan to obtain when other lenders said the boat was too old.
     
    mrsrobinson likes this.
  5. James T Kirk

    James T Kirk Member

    72
    Nov 3, 2020
    Moab UT
    2000 310 Sundancer
    350 MPI V drive
  6. Joint Custody

    Joint Custody Well-Known Member GOLD Sponsor

    819
    Sep 20, 2017
    Lake Powell Utah
    2001 460 Sundancer
    Twin Cummins 6CTA8
  7. Pirate Lady

    Pirate Lady Well-Known Member

    Jun 2, 2020
    Chesapeake Bay, Middle River
    '91 250 Sundancer
    7.4 Bravo 1
    Many if not most lenders shy away when older than 20 years. Light stream doesn’t care, no problem that mine was 28. Not sure I told them the age, I think I just said what amount I wanted to borrow then was approved in 2 hours.
     
    mrsrobinson and Little Ducky like this.
  8. Stee6043

    Stee6043 Well-Known Member GOLD Sponsor

    Jun 1, 2015
    West Michigan
    1997 Sundancer 400
    7.4L Gassers
    techmitch likes this.
  9. Texican1911

    Texican1911 Member

    13
    May 7, 2021
    Boatless
    Boatless
    So you can all breathe easy, we’ve decided to hold off. Going to buy a small bay boat for the time being. Get our sea legs and stack cash for a Sea Ray down the line. Something much newer than what we were looking for.

    The two of you I’ve talked to via PM (and met one of): I greatly appreciate your guidance. This has been really eye-opening to the world of yachting.
    The ones who were here for a dumpster fire: sorry to disappoint.
    Those who were constructive: I appreciate your posts greatly.
    All-in-all, you guys saved me from myself. Much grass.
     
  10. b_arrington

    b_arrington Well-Known Member

    Feb 21, 2007
    Setauket, NY
    Back Cove 37
    AB Ventus 9VL
    Cummins QSC 8.3 600
    Hope you find something you like and works for you! Boating is a great thing - best luck to you.
     
  11. Texican1911

    Texican1911 Member

    13
    May 7, 2021
    Boatless
    Boatless
    Thanks. A bay boat checks all but one box, and what we are looking at can stay at home for free. But we’re gonna wear the paint off of it. Going with new. First we learn the boat, then become serial fish killers.
     
    Strecker25 and b_arrington like this.
  12. Strecker25

    Strecker25 Well-Known Member PLATINUM Sponsor

    Nov 20, 2014
    Rochester, NY
    2002 410DA
    Caterpillar 350HP 3126
    buy the bay boat and next time buy one big enough to carry the bay boat :)

    good luck!
     
    northshore and Texican1911 like this.
  13. Soulshine

    Soulshine Well-Known Member

    Sep 25, 2016
    Seneca Lake, NY
    '83 SRV 360 Express
    Twin Merc. 454

    This from a self proclaimed cheapskate.

    ;)
     
    Strecker25 likes this.
  14. techmitch

    techmitch Well-Known Member PLATINUM Sponsor

    May 1, 2008
    Chesapeake Bay, Middle River/Frog Mortar Creek MD.
    1999 270 DA
    Twin 4.3s W/Alpa I Gen II's
    Imagine reading/following that thread live, unbelievable crazy. Hope you are well Rob @rszarka

    rszarka
    Member, from Sydney Australia

    rszarka was last seen:

    Feb 2, 2021
     
  15. Joint Custody

    Joint Custody Well-Known Member GOLD Sponsor

    819
    Sep 20, 2017
    Lake Powell Utah
    2001 460 Sundancer
    Twin Cummins 6CTA8
    This is what I love about the community here.

    Even if you did pull the trigger and buy the big boat for the most part all on here would of walked you through your purchase and give advise as you learned the in and outs of taking on such an unknown endeavor!
    However two of us stood up and one even made the time to meet with you and from you having an open mind and his advise put you in a boat that you will enjoy and teach yourself and family about boating.

    When you are ready for that bigger boat we all will be here to give advise as needed and wanted.
     
  16. Texican1911

    Texican1911 Member

    13
    May 7, 2021
    Boatless
    Boatless
    Thanks a lot!
     
    mrsrobinson and JC3 like this.
  17. techmitch

    techmitch Well-Known Member PLATINUM Sponsor

    May 1, 2008
    Chesapeake Bay, Middle River/Frog Mortar Creek MD.
    1999 270 DA
    Twin 4.3s W/Alpa I Gen II's
    Um,... you may want to read the thread.
     
    PlayDate likes this.
  18. mrsrobinson

    mrsrobinson Well-Known Member SILVER Sponsor

    Mar 9, 2006
    me Virginia, USA - boat is in Kent Island, MD
    2001 Sea Ray 380DA
    3126 purring CATs
    +1 for LightStream, owned by SunTrust, which I guess is now Truist.
     
    Last edited: May 13, 2021
  19. mrsrobinson

    mrsrobinson Well-Known Member SILVER Sponsor

    Mar 9, 2006
    me Virginia, USA - boat is in Kent Island, MD
    2001 Sea Ray 380DA
    3126 purring CATs
    Maybe the best quote of the day. And I've slipped at this marina before :)
     
  20. Pirate Lady

    Pirate Lady Well-Known Member

    Jun 2, 2020
    Chesapeake Bay, Middle River
    '91 250 Sundancer
    7.4 Bravo 1
    Sounds like my kinda place! Bet the waiting list is years.
     

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