When you haven’t got the finances or skills to build a boat, you can start with an inflatable raft and do some mods.
For example, take a look at this Excursion 5 with 1/2″ plywood deck and 1/2″ plywood seat boxes. All covered with indoor/outdoor carpet, 50 lb. thrust Minn Kota electric motor, 2700 deep cycle marine battery, 12 lb. anchor, bow light, battery box, lazy suzy’s for seats, stern lights, horn, and motor mount.