what type of budget are you talking about, for buying, a home..Rincon is a small town with 8 miles of different beaches..from surfing to snorkeling to calm beaches. Taino divers can bring you out to the Island of Desecheo, for awesome diving..and I do mean awesome.. you should check out there site for pictures and things www . tainodivers . com
But some of the better waters for diving is down south in La Parguera, www . paradisescubasnorkelingpr . com
If you ever travel down here, the people are very friendly, and most speak English in Rincon-Spanish would be a plus but not necessary, I have been down here for 7 years and run a vacation rental, www . prVacationRental . com and do not speak any spanish,and I am trying to learn... If you do go to Mayaguez, or other outlying towns spanish would be very helpful.. Puerto Rico, excepts most insurances, depending on the doctors, the hospitals are very good, and yes there is no making appointments you go, put your name on a list and wait..But I have learned being from NY, I dont like to wait so, I have picked doctors that do by appointments...far and few but there out there.. I have had an operation out here, went well no complications, and only my arms and legs fell off..Kidding..everything went great..I would think the only bad thing about puerto rico is that its hard to get things done..there are too relaxed here and everything takes TIME.... But that isnt so bad, and the other thing..Import tax..so when buying a new/used car or boat..Dam...its expensive,...about 3-5 thousand more than the going price back in the states....Well good luck with your move..see you in the water..