I would avoid at all costs using your $400 for flight time. That money could be used for SO many more things other than 5.3 flight hours. Since you are looking into the regional route, there is no such thing as $400 extra dollars, put every penny into the bank now as you will surely need it.
Check out
Pilot Share The Ride I used this about 5 or so years ago and it actually led to a bunch of IPCs and BFRs for a group of gentlemen who owned a C340 and a C310 and a BE58. Not only did I get the time, I was also paid for my services.
Advertise BFRs on craigslist...you have nothing to lose.