Foreclosure in New York is:

Non-judicial foreclosure by power of sale is incorrect because New York does not allow this method. Power of sale clauses enable lenders to foreclose without court supervision, but this is prohibited in New York except for specific cases like cooperative apartments.

Administrative foreclosure is incorrect as New York does not have an administrative foreclosure process. This would involve government agencies handling foreclosures without court involvement, which doesn't occur in New York.

Strict foreclosure is incorrect because while New York once used this method, it's now extremely rare. Strict foreclosure allows the lender to take title without a sale if the borrower defaults, but courts now typically require a sale in most cases.