I would think about buying properties that are at least within a hour of you if that is possible. then you can still get out there if you REALLY need to without booking a flight.I believe the nature of RE ownership is such that you just won't be able to avoid being highly concentrated, in terms of net worth, toward your RE assetts.

Concentrating on <$100k cash, and willing to do some cosmetic stuff.  

Then they use HEPA air scrubbers so that when they take an air sample of your room, it will show a lower concentration of mold spores than before.

I understand that it will differ in each market, but I am trying to get a consensus on where my concentration should be.

Here is a simple tip for your business.Get a salable listing, sell it, tell the world about it and get more because of it.If you concentrate on this, here in a there the investors will follow you.

I know in general the Hispanic population is pretty low but I'm guessing most of them are concentrated in one area. 

I suggest you not concentrate on the seller financing, unless your credit situation dictates it.

Forget about "building a brand" and concentrate on finding buyers and sellers.The Essential Guide to Building a Buyer's ListAt least 99% of your time, effort and money should go toward closing deals. 

We're now mostly in the pay-down stage as we'd like to be debt free going into retirement, and actually finding good cash-flowing buy and holds is much harder in our target areas right now, so easier for us to concentrate on paying off the good deals we already have as that gets us to our goal.  

What areas are you concentrating in here?