In New York, I see landlords making decent cuts on rent to try to solicit tenants.

Specially now, post Covid, a lot of New Yorkers are leaving New York for bigger space, more on the country side...

Close to downtown entertainment (less than 2 miles); enjoy the local bars or catch a Biscuits game.

I’m now looking into a FHA loan to get my first home, either in New York or New Jersey.

Really have no problem with wholesaling (barring legal things like OR doesn't allow it), my issue, as you noted it DISCLOSURE. 

As the small landlords lose income, they may be unable to pay property taxes, which is New York City’s largest source of revenue.

When I have availability I try to call into these local meetings that Jonathan Greene puts on:1st Wednesday of every month at 7 PM EST:Zen and the Art of Real Estate Investing - Tri-StateLink: https://bit.ly/tristatezenThis is for real estate investors with active investment or interest in real estate in New Jersey, New York, or Pennsylvania.

You should be good to go as far as running a STR there (barring that there's not an HOA there the prohibits them).Idaho, in general, is very friendly to Airbnb, VRBO, and STRs - they have legislation in place that protects and promotes them.

Some did make necessary modifications to the apartment like adding grab bars but that was handled by them. 

I'm a pizza delivery driver in California about to start making more money by door dashing on my off time, and I see an in into real estate in New York (Cobble Hill specifically) in wake of all the rioting, looting, and coronavirus cases.