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Jeez I forgot this question was in regards to top 10-20 schools. In that case OP is out of their mind. The only reason their application is not a donation for ANY MD school is their URM status. Definitely a donation for a top 40 school though.This reply makes it seem like you are even more of a troll !
Unless you have some serious research output in the next year or so, I think you can kiss good chances at any T20 (note: research-focused) schools good bye. That GPA is also unimpressive by MD school standards (and maybe DO too, not sure).
I think if you apply to mid-low tier MD schools and also include DO schools on your list, you should be fine this cycle, but a gap year never hurt no one (if it's used productively).