Are you applying to any “meet need” university beside URichmond?
With a SAI -1,500 they may offer excellent packages. The trick will be to find one where your GPA is sufficiently boosted by the geographic as well as socio economic diversity you bring (because they’d be meet need for most, not all, and are probably need aware, because your GPA precludes the really highly selective ones).
Perhaps W&L as another reach, depending whether many higher ranked students are applying from your school (check with your GC - if many are, don’t bother. If few do, you might have a tiny shot as a lower income applicant from SW VA.)
W&M has an agreement with Richard Bland College, which is a residential 2-year college preparing high potential (FGLI in particular) students to go to W&M (or other universities). It may be worth exploring.
The UVA waitlist->Wise-> UVA plan sounds perfect for you, if the first year has the same type of FA as UVA Charlottesville offers.