Dustman - as always, somebody else has pretty much had the same ideas as you, and has actually designed and built some boats that are probably coming close to what you have in mind.
This is
@Richard Woods - he posts on here occasionally, and he knows a fair bit about small cats, both power and sail.
Here are his small sailing cats in the range 18' - 25' :
Sailing Catamarans - First Choose a Design http://sailingcatamarans.com/index.php/designs-2/2-catamarans-under-25ft
And his small power cats :
Sailing Catamarans - First Choose a Design http://sailingcatamarans.com/index.php/designs-2/6-powercats
Note that even the most basic / simple cats do not have an L/B ratio anywhere near 24 - they are all much lower. If you really want to go island hopping in the Bahamas, I think that you will need a bit more displacement than what you are proposing.
Please do have a look at Richard's wee power cats - they are VERY efficient.