First, hope this is considered the right section.

Im looking for a 'road bike' that has braze ons for pannier racks and clearance for fenders to use as the ideal commuter. My ride is 12 miles each way to work, so would like something zippy, but would like the option of using it also for groceries. Something fast and stable for under $900.. does my ideal commuter exist? or would this be something I'd have to build?

All input is appreciated, thanks