Hey so it was my first time applying to UofT. I did my undergrad in psychology had about 3 years of paid (intake work, peersupport)/volunteer(crisis responding) work in the field.
I decided on a whim to apply to Humber in the event that I didn't get into UofT. Really didn't feel I could do much with a BA in Psychology. I am currently finishing up the Mental Health and Addictions postgraduate program there. It is 1 year with a summer placement and is specifically for people with a undergraduate degree. I am not sure if it helped boost my application for UofT but I think it helped to add more stuff to my resume. From what I have heard having a resume with lots of experience, strong personal statement and good references is what admissions really looks at. You can do the SSW course and potentially get direct entry into second year depending on your degree. For me I did not want to go back to college for too long and so a 1 year program made sense for me. You also mentioned your research methods mark was below the cut off. They definitely look at that and your stats or research method has to be a mid B or higher. I retook my research methods course in my final year to make sure I met that B requirement.
Finally, I agree finding a job in the field is hard. If you have a few hours to spare each week you can do crisis responding at home with Kids Help Phone or in person at a Distress Line. It is heavy work but prepared me a lot for work in the field. I am not sure if I answered everything but let me know if you have any other questions and I will do my best!