Long and the short of it: Had a boat, loved my boat, had to sell it to try and keep up a house payment on a rental house that I couldn't sell or do a "short sale" on. Ended up going the BK route. And gave up the 2nd house. Managed to Keep my current house and cars. In fact, I bought a new car for the wife since then. I feel lucky coming out as good as I did but, I'm missing the water bad. The Bk was finalized a little over a year ago. Our credit is in the mid 600's right now. Is a boat loan out there for me? Need to finance 12-15k on a used boat.