With your undergrad current gpa, it's not very convincing that you'll do well enough academically to pass each semester at the big 3 given your current/past academic history. A student with a low 3.0 cumulative and a 2.x gpa doesnt magically turn into a good academic student who can pass med school classes over night. It takes time and a lot of hard work to get to that point. It could be possible, but the odds are stacked against you. One thing for sure, whatever you did in college will most likely not work here and you have to be ready to make big drastic changes if you want to survive the weed out down here.
The only thing you got going is that your gpa of your master degree in the hard science is good. But the reality is that grade inflation is common in master degree and that's why not many med school take master degrees that seriously. Unless it's a SMP at a reputable and notorious institution, then I find it very hard to do so. I mean there's a reason why you got MERPed or placed in the charter program. If master degrees were standardized where those didnt do grade inflations, then you would have been directly accepted, but even the big 3 knows the reality of master degrees. But your master gpa probably was the reason why they gave you the 90k scholarship which is probably about only 25% of ross's total cost of attendance and even less for SGU. You said your mcat was the problem, but per their website, your mcat is above the big 3's averages too (sgu is like 497). I also feel like your interview wasn't convincing enough with your low gpa.
With that being said, why didn't you try a post bac instead of a master degree. The problem was your undergrad gpa not graduate gpa. Mcat is okay maybe if you got a few more points, i can see you getting IIs at DO schools. I would def try to get your science gpa above 3.0 and get the mcat to 505. You're not that far off from a 500+ mcat and going to a DO school will benefit you much better in the long run. 99%+ match rate with soap vs probably a 70-75% (at best) match rate at the big 3.
If you're scared of P/F affecting your chances of residency, then do a SMP with a linkage to a MD program as you know US DO has their fair shares of problems, but not as big as what the caribbean has. The reality with P/F, US DO, and US IMGs will still match at the locations that they've matched in the past few years. Maybe some programs will shift differently, but I dont see why programs that were undesirable by US MD will all of a sudden be desirable for them after the P/F. Until they change the system, this will continue to exist.
