You aren't hurting anything by applying. The worst that can happen is they say no thanks. I applied at several places, some of who's mins I didn't meet, and I only ended up hearing back from those places who's mins I did (and was recently hired by one). I have a friend who had 85 hours of multi time and wanted to work for a particular company with a published minimum of 100. They interviewed him and said they'd give him an offer if he got those 15 hours, so he sucked it up and rented a twin Cessna for a few thousand dollars and spent the weekend making big circles around Lake Michigan. In my experience, at this point you're not likely to hear back from a place if you aren't at least very close to their desired minimums, but that's just been how it worked out with me. Your experience may vary. The problem is there are plenty of applicants out there that exceed most place's minimums and they get a ton of applications, so the best thing you can do for yourself is have an internal recommendation. Know any buddies or old instructors who got on at a regional and would vouch for you? You need something to differentiate yourself from the masses and there's really no better way than by having someone walk your resume in. I think that's a scenario where they'd be more likely to overlook a shortage of times. Though sometimes you just might not be what someplace is looking for despite your best efforts. I had the times and two internal recs at SkyWest and never got so much as a no thank you email. Ironically enough, the offer I accepted was from the one place where I didn't have at least one internal rec on file. I knew guys there, I just hadn't bothered to ask for their help. You never know how things are going to work out. Like I said, you've got nothing to lose by applying (other than the time it takes to fill out the application).