Given the current economic climate why not finish the ATPLs whilst they are fresh in the memory, you really want them out the way! Do the CPL and a FI course and go flying and get both experience and a salary whilst clocking up a few valuable hours. I think the chances of securing any multi crew job right now are close on zero, so get those hours building for the time when recruitment starts again, it gives you a head start.
When things turn around get the multi and IR quickly, as has been said you have 3 years, things will be better by then.