Although you provide your profile, your question seems to ask which schools would definitely accept you, given that you have 650 GMAT score. This is exactly what I did just before I wrote this. I have the slightly the same score as you did, and I quickly eliminated Top 15 US schools as their average scores are way beyond mine. Thanks to someone I have been recently in contact with, I start looking at those schools in the Top 15 to consider. I'll let you know what to consider later below. So, although it is still hard for me to believe, but don't eliminate schools solely because your score is below their average scores.
Typically schools look at your overall profile and compare with other applicants. If you stand out, you will be reserved a seat. GMAT and the other aspects of your applications (work exp, essays, post MBA objectives, etc) will be measured as a whole, but you can see it this way, if your target schools have average GMAT scores of 700+, then you might want to show off your other aspects of application as mentioned before. It's like trade off...
Also, when selecting schools, you want to know how those schools can help you attain your future career goals because some schools have exceptional expertise in certain area and relationship with companies that you want to work for. For instance, if you want to do marketing after graduation, you may want to look at schools with strong concentration in marketing field. The only way you can know this is by talking to current students or admissions officers from those schools.
This is why no one, but you, can actually answer your question, because it is NOT only about GMAT. You can easily search schools that have average scores of 650, but are those schools truly the ones that you want to go? Probably not.
Btw, as I said, I'm also preparing my applications, and I do have similar score as you do. So, we are on the same boat.
