Grad School and GPA's?

They consider everything. I had issues like you did of not adjusting when I transfered and had a lower GPA. At some schools a good GRE can help with a lower GPA. I think if you apply to some lower ranking grad schools and some better ones you should get in somewhere. Then again a lot of people are going for masters now so I am not 100% sure. Try and see what they say. Yes, you community college GPA will factor in.