Are you in the top 9% of your HS class? If so, the ELC Guarantee means that you should be offered a spot at Merced if UCI doesn’t work out. https://admission.universityofcalifornia.edu/admission-requirements/freshman-requirements/california-residents/local-guarantee-elc.html
Would you have any interest in Cal Maritime? This CSU school is an often-overlooked gem - definitely not for everyone but a great opportunity when it’s a fit. More affordable than a UC, and great employment opportunities. They are still accepting Fall applications for their Business Administration major http://catalog.csum.edu/preview_program.php?catoid=5&poid=254&returnto=256 but the deadline is TODAY. (The CSU application is quick so you absolutely could get it done if you wanted to.)
As someone already asked, did you run the NPC’s for all the schools you applied to? It’s not clear from what you’ve said, whether you would have qualified for enough financial aid to bring the cost of attendance down to the 20K range that you say you can afford. If you do get into UCI or Merced, how much aid will you get? (Because the full-pay price will be close to 35K/year if you don’t qualify for aid.) Given that budget, it may actually be the smartest plan for you to enroll in a CCC Honors program and transfer into a UC. A gap year could also be a good plan, but the forecast for gainful employment in the coming year is unclear so it would be good to have a college option in the pipeline. As others have said, there will likely be a lot of schools accepting late applications; the challenge will be to find one that’s within your budget.