2 things;
1) all the titans I've seen ARE reference cards, maybe with an overclock
2) I hate to break it to you, but if you're worried about price, you probably shouldn't be looking into buying by far the most powerful single GPU gaming graphics card ever made. Products with titles like that tend to demand a premium. Considering it's double the price of the next highest single gpu cards (GTX 680/ hd7970)
BUT to humor you, here's the cheapest one I've seeing after a quick look
http://