In terms of your price range there are homes spread out throughout Tucson that can check that box.I am a Realtor in the area and happy to be a resource to you.

This house was very nice and clean (build later 1980) My tenant recently claimed there is mold on 1fl (it is like basement as there is no window, it is next to garage) When i see, the mold is not only one area but it seems widely spread on the ground floor (laundry room, wall, celiling etc) Since it is OOO investment, it is not easy to deal with mold issue.

Higher prices leads to larger spreads.

Very simply, multifamily spreads out your risk if a tenant moves out generates more income with more units and disproportionate amount of increase in expenses as there are more tenants to deal with.

It is also nice having the HOA as it spreads the cost for flood insurance and the roof we recently replaced

These provide stability and regular income, which can be crucial in retirement.Cash: 5-10%Keep some liquid assets for emergencies and short-term needs.Consider these additional points:Diversification: Spread your investments across different sectors and geographic regions to reduce risk.Tax efficiency: Consider the tax implications of your investment strategy, especially with your high net worth.Regular rebalancing: Adjust your portfolio periodically to maintain your desired asset allocation.Professional advice: Given your high net worth, it's advisable to consult with a financial advisor who can provide personalized recommendations based on your specific situation and goals.Risk management: Consider your risk tolerance and adjust the allocation accordingly.

The last thing we want to do is try everything and spread ourselves to thin, you know what I mean.

My advice if you could build a small team with payment of 50% or some sort of percentage of your spreads as payment .8 director of your marketing campaigns it will be that employees job to buy things like the Deal Automator that makes marketing easier and more consolidated and less all over the place Carry what did Deal Automator does is take all tools you need as an REI and consolidated into one platform

Sounds like a follower of a recent popular Guru spreading very bad ideas. 

The spreads are off.