I'm pretty fumble fingered and built my first AR from a kit. I watched a you-tube video and it was pretty easy. Mine was a Del-Ton "middie." I liked the middie because IMO the M4 "shorty" style looks weird with a 16" barrel. With a Middie the extra barrel length is in the handguard.
If you are willing to "roll your own" you should be able to stay around $500 or maybe a bit more.
Some have said the middie is a more reliable action because the gas tube is longer.
It's not "tier one" but it shoots pretty well:
nottierone.jpg