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I got a tunrnkey 16 hull with aftermarket Todd furniture for $4350. Sure, I'm fixing all sorts of stuff this winter, but it got me on the water almost every weekend over the summer without any real problems.

The deals are out there if you're looking for something older, in need of some TLC. You're probably not getting original Montauk furniture for around that price, but I bet you could find something in a Sport layout with an older motor. Winter pricing helps too.