Demographic: DWM 26
Program: Math, Applied Math, OR (I honestly love all three and am open to being a bit flexible if it'd get me into a better program. Something focused around probability or machine learning would be ideal)
Undergrad Institution: Top 50 US Private School
Major: Bsc Mathematics, Premed (2 semesters Bio, Chem, Orgo, Physics + Labs)
GPA: 3.63 , 3.80 Math
Undergrad Institution: Ivy
Major: Math/Stats/Comp Sci
GPA: 3.90
Notes: I took 10 courses for credit as a non-degree student. Math-ey courses include: PDE, Real Analysis II, Honors Complex Variables, Intro Prob, Intro Stat, Stochastic Processes (Masters Level + Phd level)
Graduate Institution: (Same) Ivy
Major: Financial Engineering/Operations Research
GPA: 3.73
Notes: Got a B in a data analysis class and a B in an Advanced topics class

Research: One REU but no paper really. We tackled a problem together as a sort of consulting gig (hence the funding). Master's thesis + Master's independent study both with write ups but nothing further. I did develop and write a paper in my spare time this past year on a Quassi Newton Method. Not sure what I should do with this. If it's not original I didn't intend to copy anyone. I've tested it in python and it's extremely effective.
General: M: 167, R + W I don't remember but mid 160's
Subject: I'd have the next 6 months to prepare for this pretty much full time. I'm cautiously optimistic. Always been a good test taker and generally have a pretty strong understanding of calc and analysis has always been my strong point. Guessing 75% is a reasonable goal, the higher obviously the better.
I'm also considering enrolling in Courant's Msc Math and starting over the summer while I apply. This would be expensive but possible for me. I'd love feedback on whether or not people thing it'd be worth it. I'm guessing I could nail down 3-4 A's in their program before applications go out and maybe score a letter from someone if I'm strategic.
I'm shooting for decent schools. I don't think I have a shot at top places but UWash would be awesome if that's within reach. Guessing my sweet spot would be schools a little less competitive. I have a serious girlfriend so my options are limited to places that wouldn't be miserable to live. She works in tech so CA is a top choice but Seattle or NYC would would as well. Recommendations extremely welcome
I'm rambling but I'd really love a little guidance if anyone has some to give. It'd be a major commitment for me to go down this road but it's also something I've dreamed about for a long time. That said if my prospects are terrible and I'm only going to put myself into massive debt to end up at some mediocre school in the middle of nowhere I might consider taking a more quant focused finance job.