It is more difficult to find properties whose value you can increased significantly while keeping as a rental, especially in the NY area where properties hardly cashflow.

However with my DTI ratio being unbalanced, I think get approved for a mortgage will be difficult.

Buying/selling real estate is not that difficult of a process....

Here's the last six months, for the 100% perfect "Walk on Water" scenario (owner occ, 20% down, sfr, not jumbo or high balance, etc etc) that everyone tracks @ a cost of a bit less than 1 discount point:

They may inform you if their tennat was demanding, difficult, arrogant, filthy etc.

The wrapping itself doesn't degrade, it offers no clues or warnings about what's happening unless you look very closely.With typical modern double-sash vinyl replacement windows, maintenance on wooden exterior window trim goes from being difficult to routine -- you take out the sashes from the inside and work on the wood.

My question is this; will it be more difficult to sell and will sale price be discounted (or should it for that matter)???

In my experience these programs can be helpful but it is certainly difficult for refugees to adjust our expectations. 

Most people have only tried to borrow from A Bank is typically where most try to borrow and it can be difficult for many to borrow from regardless of their ability to pay the loan. 

Obviously, they could say no.What I like to do, is after making payments to the seller for 6-24 months, approach them and ask if they would be willing to discount my loan balance if I pay them off early.