BYA said they could set up a system for me to obtain a sailboat that paid for itself by taking out a loan, chartering it out for five years, and having the charter fees pay for the boat so that I would own it free and clear after five years. I made a good-faith negotiation deposit of $10, 000 on March 31st, which was refundable by April 15th if all the details and financing for the charter system they set up did not work out. On April 10th, I found out that the figures BYA was presenting were inaccurate, and lacked data from the charter... read full review »