Keep in mind that if you buy a place at South Down you may be limited on overall size for a rack in their marina. You have more leeway if you can buy a slip.
For 12 people you pretty much need a bow-rider, as any type of cabin boat that can fit 12 people in the cockpit would likely be too large to be as practical as you want.
Formula, Cobalt, and SeaRay, in that order, would be where I would look. A 27' with twin engines would give you a lot of options. A $100K budget won't open up a huge world of options, but you should be OK if you are a little bit flexible.
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