There is no 2001 FX Cruiser. 2002 was the first year for them. You are right 100 hours is extremely low hours for a rebuild on the FX model. They should go for 1000+ hours easy. Only way they could need a rebuild is if the prior owner did something stupid. I'd beware, there are probably other problems. Double check the model. 100 hour rebuild is more common for a 2 stroke engine, not a 4 stroke.
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2008 Yamaha FX HO Cruiser
2010 Hurricane Sundeck 2100
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