Advice on Characters?

So, to start, I would like to say that I am a heterosexual adult male. I know stating my sexuality is a bit odd, but hang with me here. In any case, I need help writing characters that aren't like me. Perhaps a bit much in diversity but nonetheless. Please note, I don't mean to offensive to anyone on this site and I understand that overall, they are just people. But at one point in my story, at least everyone type of these characters will end up having a chapter told in their point of view. (3rd person limited).

1. 
   

   A physically disabled character. So, I have a character that is blind and may introduce a character that is paraplegic. Simple enough, advice?

   
   


2. 
   

   Homosexual characters. I have plenty of characters with differing sexualities, and I just want to know what to avoid so I don't come off as offensive to that particular sexuality. For references, one of the main characters is a lesbian and another recurring side character is gay, along with a few others (Bisexuals and homosexuals) that kind of teeter on the edge of secondary and tertiary characters.

   
   


3. 
   

   Ethnic characters. I mean this in the sense that many of these characters will either be in their homeland or native from their homeland. I have an Italian character, a Finnish Character and a Hawaiian character that are deep in the roots. Again, anything to avoid or include at the risk of not trying to seem offensive.

   
   

I would like to state that I don't have a lot of these as individual characters (though that may be a given.) A character is Category 1 is also in Category 2. One in category 3 is in category 1 and etc. I also would like to apologize for being vague about the characters but I'm a bit paranoid about plagiarism. Last but not least, I just want the general, avoid these clichés that are accepted as fact or most people I know like that are like this. Etc. etc. I thank you for your help.

Also, I would please like to ask any bigots to not comment on this site and leave your hate. No one wants to see it.

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