There was a perfect boat for you on the San Antonio and Corpus Christi craigslist. It is a lancer 30' loaded up for $10,500 and the guy said he would finance half of it. I saw that boat and wanted to buy it 6 months ago but the guy wanted all cash at that time.
I bought a Catalina 30 for $3500. You can click on the myspace link at the bottom of this posting to see it. I rebuilt the engine, did/doing the bottom. With the parts for the engine, bottom paint and fiberglass and yard fees I have spent another $4000 or so over the last 6 months. I quit counting. For lower budget people like us, it is a little more difficult to break into the sailing scene. Beware of fixer uppers they can easily end up costing $10,000 more than you paid for it just to make it float and motor. A set of sails can be $3000. The ropes(sheets) and halyards can be $600 or so. To give you an idea of cost, the engine in my boat is a one cylinder diesel. It is the size of a large lawnmower engine. The parts and machining costs to rebuild it were about $1500. You can rebuild a 350 chevy for $500 to $1000 and it has 8 cylinders. The first time I went to a boat store and needed something I couldn't buy anywhere else, I felt like I was sexually assulted.
I love my boat, but there was a point after I bought it I wish that I hadn't. Now that everything is paid and I am about ready to put it in the water, it was all worth it.
I plan on living on my boat alot this summer.
I looked at a few differnet boats in the 26' to 30' range. I think I could live on a Catalina 27'. But the bigger the boat you can get your hands on the better in my opinion.
If you look though, boat up to 30' are in one price range and boats over 30' are in quite a different price range.