Thanks so much for the advice... The SJ21 does have known issues with the deck (water damage) and keel. I found an accredited marine surveyor (SAM) who is only about 75 minutes from Indianapolis and therefore much more reasonable in price. I've decided to go that route as I don't want to be stuck with a major hidden problem. Although $3500 - 4000 isn't much for a sail boat, it means a bit to me, so the $300 or so spent on the surveyor makes sense for peace of mind.
Going rate to survey a boat that size with travel is about $500, so if he's doing it for $300 you are getting a very good deal. I just hope he does a good survey for you. Sometimes you get what you pay for. He should be there for at least a few hours and your report should be very detailed...especially if he's accredited through SAMS. Good luck.