Are you looking for separates for 2 channel or 5 channel?

The best part about separates is that amps tend to live nearly forever, so buying used is generally very safe, and can save you some serious coin.

You can find really good used 2 channel amps for under $400. Then you'd need a good preamp or processor. Rotel is a good brand to look into if you're looking for some bang for the buck deals in the separate market.

Audiogon is a used buyers paradise.