Will my Community college engineer transfer plan work?

Hey guys I currently attend a community college and I graduate with my associates degree after I complete my calculus II class this summer. I missed the deadline for my dream school university of Iowa so now my plan is to take classes in the fall which will be calculus III and spring semester I will take Physics 235 so in the fall of 2016 I can go off to a university. I am taking one class a semester so I can maintain my 4.0 GPA. In the Fall of 2015 while I take physics will apply to way more schools as well as many many scholarships. I have already contacted the university about my question and I just wanted to know if anyone did this before I am now waiting on the university of engineering counselor to reply. My counselors are all telling me I am done and I should move on to the next level, a university. However I would rather complete some of my prerequisites for engineering at a community college so In the fall 2015 I could apply to way more schools as well as scholarships. I will still be considered a transfer student in junior standing as a engineer at university of Iowa because I will be done with the prequistes set for a engineer student on their site. What do you guys think is this a smart choice? Also I have to pay out of pocket for my next three classes because my financial aid will lock up. I am so confused this semester guys I just want to make the right decision I know I’m not strong at math but if I take it one semester at a time I will become a mathematicain. So how is my plan and wouldn’t I still be s transfer student? Thanks guys