I think you're on the right track, try to get your gpa around 3.75. See if you can get a publication or maybe a literature review while in your lab. California is one of the most difficult states for sure, but you should at least be a good candidate for OOS schools with a 3.75 gpa, 512+ MCAT, maybe a publication with your research, and your leadership and volunteer experiences.
You won't be able to pay for medical school. I would try to make enough money to pay for your applications, interviews, and some money to pay for some expenses for your first year. I worked as an EMT/medical scribe for a year after undergrad and was admitted this year.