That is a problem,
If you are planning on putting your boat in a charter fleet I would look at a charter group outside the US at present and find one that holds the Title as full security (Banks don't consider the current economic times good for boat buying). Here in the UK I have been told that 30% down payment and having 20% greater then the boat payment in disposable income (not required to pay bills and live) is what most of them are asking for, plus the boat and a second source of guarantee against the loan. I know this is not good news and sorry to be saying it but it is what I have found (and a major reason we are looking at some of the options we are looking at).
Best of luck and hope that it all comes together.
What you see in the Universe, sees you.