Speaking from a lending point of view - YOU DONT NEED TO BUY A BOAT. JUST RENT ONE.
Depending on the kind of craft you're looking for, you're going to spend something like 15k to 35k for something that is going to sit in your back yard 9 months out of the year. No you can't just buy the boat and no trailer. No one will finance a boat without a trailer. Why? We have to be able to tow it away when we repossess it.
Just spend whatever it might cost to rent your boat that one or two times you use it to go fishing or take the kids to the lake. Spare your lender the headache of dealing with a boat. If you absolutely, positively *must* buy a boat, buy it from a dealership, and buy it in your own damn state. The paperwork on everyone's side is a bitch. Titles for the hull, trailer, and motor if it's an outboard. Registration on all 3 have to be up to date. Title fees for each piece. Oh, there are two owners for each piece, one of those is an entity, like a small business, and one of them is a dead grampa? There's the door. Don't buy a boat. Rent one.
edit: reason for rant - I'm in lending. They hate boats. Some places will flat out refuse boats all together. They are a pain in the dick for everyone involved.