I would not buy a tracker new. clean used perhaps.
Look for a 100% all-aluminum boat - no wood decking.
which is almost every other brand.
Clean used, motor in warranty you can probably afford 18 to 19'
And if you feel comfortable with owing the money, I would go with Alum like a Ranger RT178, Rt188 (clean used) , crestliner 18 or 19, Triton, Lowes.
perhaps xpress or G3 used. but these last two, IIRC are more expensive.