If you aren't too fussy about what sort of horse you get, maybe a visit to a racetrack could pay dividends? There is bound to be someone there who would know of something retired off the track. My horse is a four year old standardbred, a year and a half off the racetrack and is the most beautiful riding horse you can imagine. She was only broken to the saddle in December and has got the most beautiful canter on her now, despite her previously being a 'pacer'. It took a bit of patience and hard work to turn her into what I was after, but she was dirt cheap and I'm quite sure she will be able to learn how to jump in time to come.