get a CFI gig, save or borrow 6 grand, and do the multi/MEI thing in one false swoop. Listen to these guys, a multi with 20 hours and no cfi can and a lot of the times means you go back to what you're doing now. My gosh is there a flight school not hiring CFI's? If I had to, I'd borrow the 6 grand and it will pay its self back and then some as opposed to building time until you can get a job. "When hiring slows, you will need 300-500 hours ME time to get a regional job" If you cant afford a cfi and ME, how are you going to build 300 ME hours? Instructing of course.