The great news is there is plenty to do by boat in the BVI. With just four days to fill with everyone new to boat living and the BVI. A great time could be had with just a "wide" circumnavigation of Jost Van Dyke. Maybe a WIDE circumnavigation of the Sandy Cay could be a better description. Most try to do too much with too little time.

I would use a broker as suggested above and focus on a crew that fits your group's style and personality. Then let the weather and mood of the group determine the schedule each day. The level of budget, dining expectations, and party level can swing very wide. Be sure to share your group's culture with the broker. Do you search for $100 a night motel rooms or $1,000 and up a day small inns?