Well that's very good to hear, as a one-time cost it sounds fairly manageable. While the difficulty in getting a loan does pose a barrier for now, that's at least one that might go away once Seasteading has been practiced long enough and widely enough for most of its risks to become known.
I'll try to estimate the feasibility of commercially building a Seastead to rent. If it averages at $200k per living space to build, and lasts only two decades, that's $10k per year per home in initial costs. Looking at the median salary, $53700, divided by three, we get $17,900. Take away the initial cost and we're left with $7,900 to take care of any ongoing expenses.
If we presume further ongoing maintinence halves that, we've got $3950 per room to work with. Now, if we presume the staff of this Seastead apartment complex run it as a worker cooperative, giving each of them a salary of about the same median wage used as the target for affording a room, that comes out to requiring 14 (rounding up from 13.6) rooms per staff member, which is by some bizzare coincidence the ratio of rooms to hotel cleaning staff I was reccomended when looking it up just now.
Thus, this very rough back-of-the-envelope calculation suggests it might be possible to rent apartments on a Seastead in a way that's both affordable and reasonably paying. It's of course leaving out unknowns all over the place while being based on very specious assumptions on how much it costs to run, though it also probably underestimates the rent that could probably be gotten when such structures are so relatively scarce and novel. At any rate, it's encouraging enough that I'll want to research/post about this stuff than I have been.