MSAR - Medical School Admission Requirements...check Amazon.com, they just published a new one.
URM - Under-Represented Minority...no all minorities, just ones that are under-represented in medicine.
I think you have a decent shot at SOME medical school. As others have said, I'd apply to low and middle tier schools only, and apply to lots - about 15 or 20.
I DON'T think you should bother with a post-bacc unless this cycle doesn't work out for you. It's definitely worth a shot, since your MCAT is decent and your GPA is not completely unreasonable (it's low, but it may still get you in). I'd start getting REALLY friendly with the adcoms at schools you think you have a good shot at so that when your app comes through, they give you the benefit of the doubt. While this may not give you the advantage for an acceptance, it may seal a few interviews for you.