Please forgive me for either being presumptuous or stupid, but, why, given you are "old" (whatever that means
), have a low GPA that won't budge, otherwise have a decent MCAT, story and experiences, and seem to be at least a little picky regarding where you are willing to live, did you not just take the full shot now and apply DO in addition to MD?
I ask because, unless you have a really compelling reason to wait, why risk losing another year? If you get into MD, GREAT. If not, but you get into DO, what do you gain by waiting the year, assuming your situation is stable and there is nothing you can do in the next year to meaningfully more the needle for a MD reapplication?
If you don't want to waste time this year applying to schools you don't have much chance at, why waste a year applying to DO only after you see what happens with MD, when you can do both now? Just consider the DO application fees cheap insurance against losing a year. The money spent on fees will be nothing compared to beginning this career one year earlier. And, keep in mind that because the DO cycle runs later, you still have plenty of time to apply this cycle.