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Given that there are many more qualified applicants than spots (especially at top programs), it will be hard to credibly signal your math proficiency without real courses and grades. Many schools will likely not even humor your application because you haven't proven proficiency in even the minimally required courses. Especially for your reach programs, another deficiency is that you have no experience in proof based courses (e.g. Real Analysis or Topology). Even being incredibly proficient at applying lin-al, calculus, algorithms, etc. does not always translate into being good at writing proofs. And while you might even have bought and read Big and Little Rudin, you will definitely have a hard time convincing an admissions committee to trust you on your proof writing proficiency.
That being said, there are a number of 50+ kind of programs whose admissions criteria are quite literally "does this person have a pulse?" for students who aren't looking for full funding. But the job prospects out of these institutions are pretty bad. I've talked to a number of people who either (1) couldn't find a job, or (2) were getting paid less in the same (or similar) position after graduating with a masters or PhD.
My recommendation? Finish taking your math courses and then apply. The improvement in the types of programs you can get into will more than make up for the "lost time."