I heard back from the Niner shop on the price for a 105 Niner build. $4000. Ouch.
I'm not sold on the Apex 1 build. The Rival 2x build is $700 more and just at the top of my price range, but with a better groupset, better wheels and a better seat post.
I did some more shopping and found the Jamis Exploit which seems perfect. I may have to wait for the '18 model and hope they don't drop for 105s for an Apex 1 like seems to be the trend or just buy the Niner with the Rival group.