Not interested in hour builders.
One might be a good idea. Many people fly much less than they think they will when they buy. I've been in a 6 member Jodel DR1050 syndicate for over 25 years. In 2011 to 2014 it flew 485.4 hours. I flew 297.2 of that. In 2014, it flew 104.8 hours. I flew 71.8 of those. We charge £60 per hour wet, on mogas, and make a good profit towards engine fund etc. £50 per month, hangarage and insurance. Landing fees extra. With less hours flown, we'd make a loss. I'm not an hour builder - over 1900 solo and far too old for anything commercial.
Insurance will depend on experience and accident record of the 6 members.
If an aircraft has been for sale for a while, go look at it, check everything carefully, then try an offer. Aircraft are costly to keep - and the owner may decide to cut his loss on the price asked.