@pilot1972 without wishing to patronise there are so many out of work Q400 pilots (I am one of them) and things are so bad I chose to renew my basic me ir over my Q400 TR as thats all I could afford and broadens my job prospects the most. If you do a self sponsored Q400 rating you are not only completely and utterly wasting your money but you are also helping to reduce the terms and conditions of the industry and potentially taking away a job from someone who didn't just buy their way in. I sincerely wish you the best of luck but save your money and just wait a couple of years. In the meanwhile perhaps go and instruct or something...
A friend of mine self sponsored an a320 last year for around 25k and honestly he is never going to fly an a320 off the back of it.