You could do your CPL in florida after your hour building. OFT do it at a good price.
Have you thought about spain for your IR?
http://www.aerodynamics-malaga.com/
or
http://www.aerofanfto.com/ &
http://www.pprune.org/forums/showthread.php?t=215585
There are other good ones as well.
I haven't been to these but I'm considering them.
Also, try and get on the CTC ATP course before doing your MCC. You can still apply to airlines without it as you meet the minimum qualifications, just say you are about to do it on your cover letter or application.