I really believe I want to go dscr but I dont know if that is a stretch considering its my first property...can you refinance or is there a penalty..give me your feedback

It seems to make sense that going further into any of those areas makes the most sense (you went there once already for whatever reason brought you there and made sense for what you are looking for)...I assume at this time you have some boots on the ground in all 12 areas (realtor you worked with, contractor who did work, etc)....so leverage where you already are and look for deals that fit your criteria in those areas.I cant imagine why you would need to find a 13th and 14th and 15th area to go into when you are already in 12 areas that stretch this far apartIf that reply does not help then here is another thought: People live EVERYWHERE...literally EVERYWHERE so anywhere can work if the deal is right, and anywhere can suck if the deal is bad.  

Luckily ive stretched to these genre of RE and 1800 homes dont scare me and have been key to our RE growth.

If you put out your lifeline out into the world during this time, I guarantee someone will reach out for it.Banks, businesses, and financial institutions want their problems off their books by the end of the year.Those REO's that have been an issue because the banks are waiting for the right offer, may be a little more pressing to be unloaded during this end stretch and this may be the difference between an accepted offer or a missed deal.I'm light of this information, it's easy to see how this imbalance between the increased deal potential and the decrease in competition can create the perfect storm for profit to the savvy investor that is willing to go the extra mile and not check out through the holidays.

We do the Florida thing for a week or so every winter, I'm going to start stretching it to 10 days next year.

And that's a long stretch for many people.

Just looking for some insight on how to stretch our capital as far as possible.

Make sure that you have a good capital base so you can weather tough stretches wherever you invest.  

Being a landlord in an environment of high unemployment, with recent rent increases already leaving many stretched, will be no walk in the park either.

@Yusuke KoikeIf you already own/manage a 2-4 unit multifamily property, it will not be much of a stretch to step up to a 10-unit property.