“There appear to monthly fees on top of “ownership”. Kind of like a really high HOA. I bet the assessments could be pretty steep too.”
They have to cover a lot of operational costs. Meals, fuel, port fees and salaries. At least the fees are fixed!
What assessment?
I'm assuming the purchase contract includes some fine print, just like any multi-unit dwelling, that allows assessments for unexpected costs that can not be covered by monthly fees or insurance. Obviously my assumption isn't informed by actually reading their purchase contract...