Coming here as a current jumper rider who was an eventer and is still an amateur I would say that there’s less of a discipline specific need for a good jumper to do the heights you’re mentioning. What I think should be the primary goal is a horse that your daughter feels confident on. That’s #1. But the bigger question is does she want to compete (in jumpers) for the fun of the sport or to win a lot? That’s where you need to decide if the horse from another discipline is a better priced option (usually OMG yes) or if she doesn’t want to just play for the game but wants some return then I would suggest finding a lease on someone’s older unicorn that still is afraid of the tiniest splinter of wood near it’s body.
You absolutely can find less expensive horses that would do the job brilliantly, but you will likely have to find the compromises that you can live with. The best ones I have found that can save you the most are:
Find a fabulous mare vs a gelding
Take a lovely horse without chrome or in the dreaded Chestnut color
Find one sub 16 hands
Find one that doesn’t come from a ‘name’ barn
Find one that is a brilliant jumper but hasn’t necessarily done a ton of showing
Here are the things you should avoid compromising on:
Anything that had a suspensory injury. (Not saying that they’re all bad but I wouldn’t want to pay all the enormous amount of money that we pay in jumpers to ride something that has 1 strike against it in the soundness area)
Anything that has had a shaky past with refusals, rider falls at any level. A fair number of the flunked out grand prix horses sometimes get marketed to be ammy horses and some just don’t do well at it.
Anything that doesn’t match with what they’re telling you about it. Ex: “It’s got 1.40 experience” but no one can find a show record/video/pics to prove it. Oh he’s only 10 years old, but they’re no papers, microchip etc. (I still laugh that I was able to find 3 different USEF names/numbers for the exact same horse. I figured it out but none of his 3 connections had realized it. [Side vent… Register your horses CORRECTLY and include the name they go by when you buy them. AND include their correct relatives in the pedigree]
I think it’s still pretty easy to find what you’re looking for. Far more so if you and your daughter/trainer can consider a tb.
Emily