Well, everyone gets benefits from the time they start OCS.
While per the PA there isn't anything saying you can't apply, the intent is for people to be able to take advantage of multiple terms. It seems you would be in your last term and actually have less college left than others applying.
The last time they were picking for BDCP if a person was less than 6 months they would not move them forward with BDCP but instead move them forward with normal board process,
@FormerRecruitingGuru might have some further info.