Holy Cow! $12K for a CFI/II. Where are you training? I can probably take a guess, but I'm not going to there. The only regional that may look at you with those times might be Piedmont. Here is what I would do: Get your CFI and go instruct for a year or more! There are schools out there that will pay you up to three times as much as what you would make at a regional. Some schools will even give you your CFII/MEI for free if you stick around for a year. Get some experience! You wont regret it! You can always go to a regional later on if you want to.