I get BTC for under 10% all the time.
Where?
From other members here on this forum.
I sold bitcoins to xetsr at 5% over market. Typically you're going to have to offer some sort of incentive for people to take paypal though. I don't like to keep a lot of money in paypal (I don't trust them) and if I want to buy something with paypal, I can just use my credit card, so there's not much reason to trade at market rate unless I have some extra bitcoins I want to cash out.