The real monthly burn
Given the sales pitch says living afloat is cheap, when every real cost is on one spreadsheet — berth, insurance, maintenance reserve, haul-out amortisation, fuel, utilities, depreciation, then the monthly total compares honestly against the land apartment, and the purchase doesn’t depend on optimism.
To answer
- Berth cost per marina, including wide-beam surcharge and liveaboard tariff if any.
- Insurance quotes for liveaboard use (and how DEC-004’s platform choice moves them).
- Maintenance reserve rule of thumb (often quoted ~10%/year of boat value — verify against interviews).
- Depreciation: what do 10-year-old houseboats/power cats actually resell for?
- The land baseline: current true monthly cost, measured, not remembered (telemetry phase).