>>272306320k seems on the low end for a liveaboard that can sail reliably/safely between Florida and the Bahamas. I would probably add another 15-20k as a buffer for replacing/repairing/adding anything on the boat (e.g. do all the batteries need replaced, are the electronics all good, are the sails worn out, does the hull need scrubbed and repainted, does it already have a windvane steering system or do you need to buy one, etc.)