I am in a very similar situation, but living in the Northeast. I have a wonderful full time career and a two year old son. My husband works in the city Monday-Friday and is only home on the weekends currently. I love my barn time, but it really has to be worth it to me to find the time away from work and my son.
I have found that a half-lease has been really great for me, I ride 2-3 days/week. I grew up riding and had always owned my own horse, until I got married, had my son and took a break from riding. I missed it dearly so started back, I was very lucky, my first half-lease after my having my son was a 20 year old previous Big-Eq horse who was amazing! $1,000/month lease fee, which I split with the other half-lessee so $500 each. He was the perfect 2’6 horse and super fun to flat because he had all the fancy flatwork buttons and super safe!
Covid hit when his lease was up so I sent him back bc our barn had shut down and I didn’t know when we could ride again. Once the barn opened back up a horse within our barn became available, again another schoolmaster type, he was 21 but still doing the 3ft jumpers. Super fun horse and very, very safe. His lease was $500 month as well. So, yes you can find a quality horse for less than $25k, but be open to the older ones. Both of mine needed some maintenance, but nothing crazy. Both of these horses were still actively showing at the big “A” shows in the NE.
I will also add that the first horse I leased was not listed online, just word of mouth from trainer to trainer. I find in our area that most of the great saintly 2’6 horses get leased from barn to barn just via text or phone call, rarely needing to be listed online.