What you seem to be missing is your main need is an accounting system.  

At this stage, the main thing we need is for me to get back into the workforce and get some money coming in, in order to achieve that dream.With that in mind, my immediate goal is to gain employment in the field of property management, as opposed to wasting my time working in another field that is not associated with real estate.

If they are, I would pay them off first.I would invest in a different market(likely bigger market) where you can find reliable contractors or find a PM that will be able to manage the properties.

The financing and management of each are very different.

It’s different down here.  

From there every 20 point increment affect pricing differently.

Something different would. 

All land courses are the same in essence;What is your end goal is the only thing that is different?

Then we keep the accounting straight via Quickbooks with each unit a different Class.

So, when investing in areas they don’t really know, investors should research the different property Class submarkets.