Are you staying on Jost or Gorda? The Christmas/New Year’s holiday is the busiest and most expensive week of the year, and most places have one week minimum rentals. Same for a charter boat. Places also book up early.
Getting between Jost and Gorda is not quick, easy or cheap. Hiring a day charter may be best for that.
Your best bet may be a week-long boat charter. Or stay on Tortola and do day trips. Scrub Island could also work: easy day trip to Gorda and they have excursions to Jost.
.
