Tortola BVI might work for you.  We stayed at Myett's on Cane Garden Bay.  We stayed on St. John a few years ago, and renting a private villa with friends will be hard to beat anywhere.  One of our first trips was to Ambergris Key Belize, and didn't like it much at all. <img src="http://www.traveltalkonline.com/forums/images/graemlins/duh.gif" alt="" />