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By "three stateroom", I am assuming you mean three separate sleeping cabins, as opposed to two sleeping cabins plus the main salon.
This configuration is not very common in the <45 foot range, except among the "charter boat" builders.
But there are a few that were built a bit sturdier. One that comes to mind in your price range is the C&C Landfall 43. Many but not all of these have a third cabin in the starboard walk-through to the aft cabin. I also seem to recall that a few of the Peterson 44s had a similar configuration (but most did not).
Now, if your voyage was going to be more of a coastwise, island hop variety, I would suggest something like an earlier Catalian 42 tri-cabin. I would take one of those to the Caribbean, maybe even Bermuda. (But if the itinerary involved more significant ocean passages, I'd look at something more robust.)
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Pacific Seacraft Crealock 31 #62
NEVER CALLS CRUISINGDAD BACK....CAN"T TAKE THE ACCENT