If you've got a shot at a Guard slot as an "off the street" hire, make THAT your primary job.
You will make three times the annual pay of an RJ copilot as a 2Lt on active orders.
PLUS: medical for you and the family is free.
Buying hours on your own? Good grief. Within two years of starting UPT, you should be able to get the limited ATP.
You know...the ATP would allow you to take a huge pay-cut by making the Guard your part-time gig, and the regional your big concern...
My advice:
1. Make the Guard your only concern for now.
2. FINISH all the training. Lots of guys start, then fail...sometimes it's because they have distractions, or unrealistic expectations.
3. Get as much AD time as you can get. Build flight time, experience....and pay down your debts.
4. With that done....you can worry about an airline job.