You can find a V-drive for 20k. I live in Central Ohio and we picked up our 01 Sunsetter VLX, lower hours and loaded (everything from heater, dock lights to having the LS1 under the hood) for 20k locally. I had to do some negotiating to get that price but got it done. I realize you may not find quite that good of a deal, but I found other alternatives as well.
Look for V-drives 25k and lower, within a few hundreded miles (that's just a day's trip to buy a boat).