I've found quite a few boats that meet your definition (except that I haven't researched the PHRF, might need to confirm here - http://offshore.ussailing.org/Assets...+Handicaps.pdf
- but if the Allmand can hit 166 and average 188, most of the other boats should fit your requirements too). All are on the east coast, and all are $10,000 or less, and require only a little bit of work (at best). With your budget, you could easily have one transported, and have any changes you want made to it, with a lot of cushion. You can check out this thread:
"Value-priced" boats in the mid-Atlantic
Most of the boats that I've seen have had deck-stepped masts. All are in the 26-34 range (most are 28-30), and have wheel steering. I was looking for a cabin for a family of 4, so anything that would have worked for us should work for you.