Closeouts or used bikes are going to be your best bet for getting 105 components within your budget.

I don't know what kind of deals can be had at shops right now, though. For example, Felt's F85 comes with 105 and retails for $1250. I wonder if 20% might actually be reasonable in this economy. I know one of my regular shops has a least on 15% off sale a year, and that was when the economy was better.

If it fits you right, the Novara Carema Pro sounds like a good deal. To get 105 components and carbon seat stays on a Trek or Specialized you'd have to spend $1500-1600. Jamis, which is known for being priced well, has the Ventura Race with carbon seat stays and 105 components retailing for $1350.