@Lelith WalkerYour governing documents should outline the procedures (judicial foreclosure, non-judicial foreclosure, etc.) the state of New York may also have provisions in their condominium law that governs how you can collect.

I suggest these area because of the tenants usually be great quality, section 8 (government housing authority) qualifications are easy to clear.

These individuals are held to a higher standard, and also have direct deposit available through the government.

Our agent was able to hook us up with a FHA Grant loan broker, in which the government just flat out gives you the 3.5% down payment.

As the applicant has to send scanned image of government-issued ID and proof of income by email as part of the application process.

Is there a governing body I can contact?

I would never depend on a city or small government to do something.

And on my subdivisions I am currently building I do not record CCR's or create a HOA.. its only mandatory if we do a PUD... since I am building all the homes and ( praise the LORD almightly ) they all pre sold we are in and out of 27 homes in one year.. and I just leave the folks to self govern themselves.. there are actually a lot of buyers ( at least at these price points starter homes here  350 to 400k) that prefer NO HOA

I am not an investor, I am a high school educated self made businessman who made the difficult journey and transition from government assistance apartments as a kid to the proverbial country club.  

The US government has is own calculator to compare the daily APOR and the rate you want to charge to a homeowner so that you can stay within, or know what category, you loan is falling under.