You are better off taking your time, staying employed, and going into as little debt as possible. Fly at least three times a week or more. I would guess it shouldn't take you much more than a year to 18 months. Many smaller schools don't have a twin or a track record for doing CFI training, so be willing to seek that out, if necessary.

Also, some guys do better in an academy enviornment. They find "life" distracting and need to "get away from home" to focus on training. They say they need more structured training to excel. There can be some truth to that, but you can still fly a lot and have "structure" at a smaller flight school.