Your goal of 25 hours at 180/hr is $4500. That's more than enough for your MEI.

Even if you split the time (which is not that easy to do legally), your looking at $2250. I have no clue how much the ATP program costs, but getting your MEI would be invaluable. There are so many flight schools desperate for instructors. If you look on climbto350.com, you can find flight schools hiring all over the US, and paying well (reasonably) too. $40k/yr to instruct.

Anyway, good luck with whatever ya choose to do! Getting a regional job in the near future will be difficult. And if you choose the instructing route, you will be well qualified for when the hiring picks up again.