Was in same boat 5 years ago- Retired mil out of flying for about 5 years. A friend said go jerk gear at a regional & let them pay for the ATP.

It’s some @ss pain, but you’ll be on with a Major within about a year.

With your currency issue the fastest route (and cheapest) is a regional. Have three close ex Military friends doing same recently. - two had not flown in 5 years, one for 10. Two hired with united & one at Delta after their regional gigs.

Best professional / work decision I ever made.