Jetblue dropped their minimums to allow FO's at slow growing regionals to apply right before the recession and Deltas minimums arent out of reach either. I think if you keep plugging away at the TT, keep your record spotless, do some volunteer work, and continue to build the resume you will be fine.

An ATP at the fbo ATP will run around $2000 while the ATP plus a 737 round dial type will cost $5300 + lodging. I would say the 737 type is the best way to go. It checks the box off (most employers weight you by a score before they look at hours), it will make your checkride when you eventually do upgrade go a lot smoother, and it opens up the door to SWA when you do upgrade.