"I was thinking i could get a slr like camera for say 400 but I cant."
Sure, you can. In fact, you can get an excellent one with a 12x Leica lens and image stabilization. It's called the Panasonic FZ10, uses SD cards, and goes for around $400 on eBay.
I really wouldn't say that is "SLR-like". I think the only ones that are close to SLR-like are the high-end prosumers (eg. Olympus 8080, Canon Pro1, Sony F828, etc)...