Playing devil’s advocate, applying to 3 schools is fine when there is a top local option. If OP will be happy at the local school, and it will meet her needs, no need to apply to a dozen. Data point I’d one, I applied to only 2 for precisely that reason. Had I been rejected, I would have been perfectly content with my local school.
Back to the OP. Grades are important - probably the most important piece. You may have extenuating circumstances, but so did many others.