I agree, don't waste time and money applying to schools that you don't have the prereqs for - they won't even consider your application once they see that you don't have the required classes completed. I just applied to a bunch of CA schools this last year and it was a bit frustrating that so many schools in the same systems (CSU/UC) have slightly
different requirements for their nursing programs.
Basically what you have to do is buckle down and research the heck out of whichever schools you're thinking about applying to. I printed out the nursing articulation agreements for each school I was even remotely interested in from assist.org
and then went through each to see if I had the classes they wanted. If not, toss into the recycling bin. Once I had a group of schools that I had the classes for I went to each nursing program's website to make sure that I was meeting any other random requirements (some schools allow you to have prereqs in progress at the time of application, some do not - stuff like that). Just be very thorough and stay organized.