@djj1Your description matches the second part of the (commercially published, dead-tree) book, "Ghost" by John Ringo. In the first part of the book he foils a mass kidnapping plot by various recognizable Islamic characters. In the second part he owns a boat and has introductory bondage sexy time with two college girls, and possibly their moms, before being called upon to find and capture a nuclear device. (Or set it off, whatever.) In the third part he prevents more nuclear terrorism in various parts of Europe, ending up in Paris.
The second part is set in the Florida Keys and the Bahamas, so definitely has that Caribbean vibe, mon!