I can’t chance you, nor predict merit at IU…especially with their new Kelley admission process. Not being in the top 10% of the class could be a disadvantage at the reaches.
Penn/Wharton requires two LoRs from academic teachers, so you will need to request another LoR ideally from a junior year teacher. Do that ASAP.
You need at least one affordable safety. Will Lindner be affordable for you?