You also need to think hard about doing a straight Ph.D. You probably could get a stipend (income) rather than pay tuition if you were just MD. I understand the appeal of MD/PhD includes a stipend and tuition waiver, but this should not be the only reason.
With a lot more community service hours, your application would be stronger. But that said, why do you think Colorado and NYU-LI invited you to interview? Being in-state helps with UCF, but you didn't get noticed by other in-state programs, so did you live near central Florida for most of your upbringing?