Ships are expensive, but all except the military ones will be able to at least cover costs, with the merchant ones being WELL able to do so.
For groups who choose to get a less profitable ship (Yachts and Lab Ships - I'm looking at YOU!) or who really don't want to be cargo haulers, it's best to set up a patron who actually pays the mortgage in return for services. In the OP example, the executive might be getting the Yacht as part of his salary package as part of a tax deal; he can pay it off to own it outright, but otherwise the mortgage is paid off by the company and he's expected to use it as part of company business, or otherwise be expected to run missions for the company in return for otherwise free use of the ship.
Players can also be inventive, too: I've got a group that ended up with 42% of a Lab Ship, mostly owned by a highly skilled surgeon who has laid out a business plan to travel from planet to planet doing cybernetic enhancements to wealthy patients. He has the skills, he has the ship and I thoroughly approve.
One of the other players has a Scout ship, and I offered an alternate option to them to just adventure in the scout while the ship they had shares in was run by NPCs and provided them with possible out of play profit (or loss).
For groups who choose to get a less profitable ship (Yachts and Lab Ships - I'm looking at YOU!) or who really don't want to be cargo haulers, it's best to set up a patron who actually pays the mortgage in return for services. In the OP example, the executive might be getting the Yacht as part of his salary package as part of a tax deal; he can pay it off to own it outright, but otherwise the mortgage is paid off by the company and he's expected to use it as part of company business, or otherwise be expected to run missions for the company in return for otherwise free use of the ship.
Players can also be inventive, too: I've got a group that ended up with 42% of a Lab Ship, mostly owned by a highly skilled surgeon who has laid out a business plan to travel from planet to planet doing cybernetic enhancements to wealthy patients. He has the skills, he has the ship and I thoroughly approve.
One of the other players has a Scout ship, and I offered an alternate option to them to just adventure in the scout while the ship they had shares in was run by NPCs and provided them with possible out of play profit (or loss).