I am a second career pilot.
I recommend you do what you have to do to get the single commercial as quick as possible. Uber, sell unnecessary items, take a small 401k distribution, etc. Once you have single commercial find a survey job, job in Alaska, or Puerto Rico- anywhere you can get hired with single commercial to build time. Next, try for a turbine single job- Caravan or PC-12 gig. Save some more money, once you hit a 1,000 hours, then get a multi commercial ticket and start looking for a king air/light Jet FO job.
PM me if you have specific questions. Happy to help walk you through it.