Tobacco Caye is awesome! Right on the reef. You litteraly can walk out to it. There were two small " Hotels " there when I went a couple of years ago. Lets call it rustic. Small cabanas with solor power, a community bathroom with a hot shower! Family style meals. No menu, you eat what they are making today which I found excellent. Two little bars for a Beliken or two and the coolest people you can imagine. A lot of European divers, and a small community of locals. Maybe fourty people live there full time. It looks kind of like Gilligans Island when you first sight it. I'd highlt reccomend it. I plan on going back as the opportunity arises.