Lower-level transfer advice from CCC to four-year university

I’m currently going to a community college in the California Bay Area and I’m thinking about applying for a lower-level transfer to a four-year university. My original plan was to transfer to a UC or CSU with an Associate’s Degree that would cover my major requirements in Fall 2017 but I’m now thinking about transferring somewhere for Fall 2016 or Winter/Spring 2017.
The reason is that I need to complete two more GE classes for transfer (I passed a lot of AP tests in HS) and my college only offers six classes that will transfer for my major requirements. So I’d be taking 8 classes over a period of five quarters – about 1 or 2 classes per quarter. But if I transfer to a four-year as a sophomore, I can begin my major requirements and minor electives. My major is English and I want to minor in U.S. History.
The issue with this plan is that most CSUs and UCs don’t admit lower-division transfers and deadlines have passed a while ago; so I’d have to apply for a private or out-of-state university.
Santa Clara University is one option for me, but I’m not sure if my application would stand out. I currently have around 71.5 quarter units, half coming from AP tests I’ve passed with scores from 3-5. The other half coming from six classes I’ve taken this year, receiving all A’s except from Anthropology which I took P/NP (doesn’t apply to my major so hopefully not a big deal). I’ve also been part-time tutoring for the past year.
Colleges that accept lower-level transfers also ask for high school transcripts and SAT scores, which might be an issue for me since I didn’t do that well in high school (I got a D in PreCal one semester but overall 3.3 GPA). Highest SAT scores was 1850 so not too bad.
I made an appointment with one of my college’s academic counselors to discuss this but any input or advice from people here would also be appreciated. Thanks.

Does Cal do co-enrollment? I know at UCSD a lot of people take two CC classes and one toward their major at UCSD. It’s the same price. Ask your counselor about co-enrollment.