You have some research to do on these programs. You have received some good feedback on your other thread…your GPA will likely be an issue at highly selective colleges.
Agree that your chances among the reaches you mention would be highest at UCB due to their not taking freshman year grades into account, but that 4.6 weighted UC gpa seems high for an OOS student (assuming you are from CO?) @gumbymom?
Students apply for Haas fall of soph year, and it’s competitive admission…so even if you complete the prereqs, admission is not guaranteed. https://haas.berkeley.edu/undergrad/admissions/new-admissions-important-dates/
Here are the Haas admission stats for class of 2019…internal admission rate of 33%. https://haas.berkeley.edu/undergrad/admissions/new-admissions-important-dates/
Most (80%) UMich Ross candidates are admitted via direct admit freshman year. https://michiganross.umich.edu/undergraduate/bba/admissions/first-year-applicants
Getting in after that, as an internal transfer is competitive: https://michiganross.umich.edu/undergraduate/bba/admissions/UM-applicants
Identifying reaches is easy. Spend relatively more time finding match schools and at least one affordable safety. What can/will your family pay per year?
As an OOS applicant, both UCB and UMich will likely be full price. UPenn fin aid will depend on your EFC as calculated on the CSS Profile.