I am looking for affordable lodging, but will pay a bit more if it means I am not staying in a dump. I have seen many mixed reviews on places in San Padro and Caye Caulker. I am not that picky, but my wife would be very unhappy if the place was smelly, dirty, or had bugs/animals in the room. We are looking for Nov. 2, 3, and 4. I would like to find something under $100 a night that is on the water. Any suggestions?

Other activities we are interested in:
1) Renting bicycles to get around the island.
2) A good fishing guide. Don't need a flashy boat just someone that knows the area well, and can catch fish.
3) Snorkeling trips
4) Good eats
5) Any other don't miss activities.