Paying for a rating is not uncommen at all. Most of the "civilian" pilots I know had to do it at least once.
Am now into my 10th type, including 2 twins and haven't paid for any.All in Germany.
In fact my new employer just sent me off to multi No. 3.
Oh, the company hired 3 more pilots and they also got their training paid for, two of them are first time on twins.
Don't pay for your rating.You're sending the wrong signal and it's the wrong rating anyway.You go 139 they will need 92.You go 92, the offer will be for a 155.That's the way it is.