Have you forgotten who it is that generates salvific faith? and the verses that tell us that it is not of ourselves? Have you not considered that regeneration is the means by which faith is given. Faith is the work of the Spirit of God in the person, necessarily generated by the Spirit (from our POV we might be tempted to say that "the Spirit can't help himself —he has to generate faith" for lack of a better way to describe what happens). The Spirit of God put there by God, for God's sake, to make us his dwelling place, changes us, changes our very nature, and I don't mean just makes us want better good, and access to God, etc, but that WE are changed, to a one-ness with God, by the Spirit. All our subsequent conscious obediences are still subconsciously by the Spirit. It is not just our choices, but him working in us both to will and to do of his good pleasure (i.e. according to his choice).
But consider 1 John 1:9. The Greek grammatical construction implies an awkward English rendering something like, "If we confess our sins, he is faithful and just to have already forgiven us our sins..." Completed action in the past, contingent on our current confession.
You want a repentance that results in regeneration? Have it your way, but the regeneration already happened, or the repentance would not be in faith.
If we do not have faith, we do not have the Spirit. If we do not have the Spirit we do not have regeneration. Both are the necessary result of the Spirit. But without the Spirit we do not have faith, therefore, we also do not have regeneration. But if the Spirit makes his home in us, we have regeneration by definition, and so we also have faith. Both are necessary results of God making his home in us. Neither are the result of the will of man.