Option number 1 is definitely your best option. There is no rush, the pilot hiring climate is going to be great for years to come (unless there is another 9/11 type event).

Option 1 gives you the best chance of getting all your ratings without going into massive debt. Keep the job you have right now and fly a couple nights a week after work and during the weekend. When you get all your ratings and want to go full time CFI to build hours, then quit your job.

You don't want a massive amount of debt when you start the low paying years working for the regionals. A significant amount of your pay will go to paying interest on your loans.

Would you rather start working for the regionals in 3 years with $50,000 - $100,000 in debt, or 5 years with no debt?