The LTR visa application process is fairly strict, and thorough.
If you do not meet the requirements then approval is unlikely (we have handle hundreds LTR of cases, if anything you can be rejected when meeting all of the requirements in error).
Since you are 45 it may make sense to get the 5 year elite, and then transition to a retirement visa.
Our team offers a free consultation to explore all of your options.
It depends on what you have done as that will dictate the blacklsiting.
With serious criminal offenses your visa is usually canceled, and they will put you on a special short term visa to deal with any court cases assuming you are not already found guilty and serving time.
Also in many cases you are immediately blacklisted through this process. If you are found innocent you will have to go through the proper channels, and acquire proof of this to have the blacklist removed.