I remember you being from New York.

Located in New York City.

Have you tried hot water or jetting yourself? 

If you are looking to move out, there are still coops on Long Island for under $200k, you could consider buying a 2 bedroom & rent out the 2nd bedroom to someone else to help pay the mortgage.As a first time homebuyer in New York, you might qualify for a below market interest rate mortgage (they have several other programs as well) through New York's State of New York Mortgage Agency - a/k/a "SONYMA" (pronounced Sunny - May):https://hcr.ny.gov/sonyma

I missed the last part of your comment New york, conventional

Hello Bigger Pockets community,I currently live in Rockland County, NY, about 30 minutes outside New York, NY, with near term plans to move into the city.

I am looking for a experienced private lender that can lend and guide me in real estate in upstate New York 

So would it be a good idea for me to invest in Ohio even tho I am in New York? 

Trying to learn the disposition process in the wholesale model in this complex state of New York.

On the other hand the majority of their loans are made in judicial only states like New York and New Jersey.