Make sure the taxes are not based on some program. 

Impossible to say without knowing the loan program, and lenders have overlays, but 6 months of payments (PITI) is a good ballpark rule of thumb.

These are a few examples that may preclude you from having to accept the government as your business partner in NY. 

But state laws govern insurance, and agents knowledgeable of local conditions is important.I worked in an small insurance company once, with a brokerage in the same office.

Apparently New York Governer Cuomo added a new law  that adds lawful income as a protected class.

You have to be approved as a Section 8 Owner/Landlord; paperwork as only the government can manufacture it and, of course, a class you'll need to take.2. 

We are interested in purchasing a vacation rental and immediately participating in a rental program.

I am sure you have read if you obtain an FHA mortgage your minimum down payment on 1-4 units owner occupied remains at 3.5%, however with conventional more than one unit you would be looking at anywhere from 5-20% down (depending on programs in your area). 

I like the class functions they you could segregate costs by unit, building, and even geographic locations, such as NY vs MA, through the use of classes, subclasses, down 10 levels.At the same time, I also did accounting on the side for a government funded non profit that that I use classes to segregate funding sources.

Opioids from Johns Hopkins and the University of Maryland Medical Center continue to flood the poorest of neighborhoods, leaving the African American communities in a perpetual state of addiction, along with the need for constant government assistance programs.