Self Study AP exam is not included in the GPA but if she took an on-line class, then that grade would be counted in the GPA.
Here are the UC GPA (capped weighted) ranges for 2020 to give you an idea of competitiveness along with admit rates based on the GPA:
2020 UC capped weighted GPA averages along with 25th-75th percentile range:
UCB: 4.22 (4.13-4.30)
UCLA: 4.25 (4.18-4.31)
UCSD: 4.16 (4.04-4.28)
UCSB: 4.15 (4.03-4.27)
UCI: 4.11 (3.96-4.26)
UCD: 4.11 (3.97-4.25)
UCSC: 3.94 (3.71-4.16)
UCR: 3.88 (3.65-4.11)
UCM: 3.68 (3.40-3.96)
2020 Freshman admit rates for UC GPA of 3.80-4.19 capped weighted and not major specific:
UCB: 14%
UCLA: 8%
UCSD: 39%
UCSB: 40%
UCD: 55%
UCI: 38%
UCSC: 82%
UCR: 90%
UCM: 97%
I think I would focus on the Cal states (not SLO or SDSU) but several of the other CSU’s with good Business programs: Cal Poly Pomona, CSU Fullerton, CSU Long Beach, Chico State, Sac State, San Jose State etc… I would also have her apply to UC Riverside as a Slight Reach school. From there you can look into some privates such as Loyola Marymount, University of Redlands, University of the Pacific, Chapman University if she wants to stay in California.
ASU and U of Arizona other good options for OOS. You may want to consider the WUE and see which OOS schools might be of interest.