She got a letter from the state regulators.

There is no requirement that a specific form be used - - it can even be in handwriting.As a tenant, I would include:I will be moving on mm/ddI suggest you schedule a walk thru asapI will surrender possession on the date notedand I expect my deposit to be returned in accordance with the regulations of the State of ______.Sign, date, mail certified if there's an adverse situation like this.

Rptr. 2d 336].)119 Civil Code Section 1942.4.120 Civil Code Section 1942.4(a).121 Civil Code Sections 1942.4(a),(c).122 Civil Code Section 1942.4(a).123 Civil Code Section 1942.4(b).124 Government Code Sections 66427.1(a),(b).125 Government Code Sections 66451.3, 65090, 65091.126 Government Code Section 66427.1(c).127 Government Code Section 66427.1.

A landlord is entitled to change or modify any lease when renewing provided it does not violate state landlord tenant regulations.

@Dion DePaoli is right on about most lenders being unwilling to finance the units in your complex until the HOA is approved by these government entities making the mortgages much easier to sell off. 

I am particularly unfamiliar with local regulations, so this would be a good place to start.Thanks in advance for any comments!

It's a "secret" lien in the sense that the Government doesn't need to take any action to make it valid.

Will pick up HOA rules and regulations tonight from agent.  

This notion is further corroborated by a government study, which showed that 52.4 percent of renters ages 25 to 34 lived in single-family homes, compared with 43.4 percent in apartments.That said, it is a good time to invest in single-family homes as rentals and those that do could be rewarded handsomely.

Otherwise the lender will be limited by many rules and regulations and disclosures, and he may shy away from lending $ to you.All the bestAmir