SimplyRugged Cuda with optional inside-out straps
Image from the Simply Rugged website
http://www.simplyrugged.com/the-cuda/, showing a Cuda OWB next to a Cuda IWB on the same belt:
The OWB holster shown is not outfitted for the straps. If it were, it would have a pair of holes at the upper corners, where the anchors for the straps are screwed into place.
When you want to wear it OWB, unscrew the screws, and pull the anchors and straps. For IWB, put them back on.
The Cuda is $60; with the straps it's $75.
Too bad you didn't say it's for an M&Pc, or I'd have sold you mine. (Purchase of the gun fell through; S&W wasn't making them with night sights for some reason.)