In properly positioned, business school admissions love "late bloomer" stories like yours. I would therefor encourage you to move ahead full-force in getting your applications into all of the schools that you have on your list. Two other schools that are very open to students with your background are Yale and UCLA-Anderson.
The biggest problem that non-traditional students such as you have is that your application tends to read as one big apology. This is not what admissions wants to read - they want to hear about your life story (the good, the bad and the ugly) and how you got to where you are today. Also remember that business school admissions is more interested in what you want to do than what you have done -- so also remember to focus on your future goals and your motivations for gettting a graduate business degree.
Keep on studying hard for your GMAT and if you get your scores up to competitive levels, you should see good results in your MBA admissions endeavors.
Senior Admissions ConsultantManhattan Review
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