We all have a few things in common : would like to live in Negril, but have 6 months /year limitation. Consider all expenses and problems with building [uncertain titles, surveys, plans, labour, water problems, power, etc.]. Almost all of the above are associated with buying existing house where renovations will double the cost]. A solution is to RENT or lease. Find acomfortable, renovated, secure, close-by apartment with assured cold and hot water, AC if you want. One can "rotate" occupancy with another "boardie"...
Beats any other option, doesn't it ?