back to the developer for more explanations and to my lawyer.Is there somewhere that explains all the different ways to do a JV development?

Read the whole thing as it has very intricate explanations for you.By the way, thanks for the question as many people have an interest in this.

I realize this may not be the case with you and your agent, just saying it happens.A little explanation about the terms:The 'refuses or fails' is so the agent doesn't shafted if they work hard for you for months and then you buy a FSBO with no buyer agent commission offered. 

@Corina Eufinger is right on the money with her explanation.  

@David Kilgore@Ari Newman is absolutely correct in his explanation of the 65% ARV loan product.

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchange "doc" with "pdf" for more options.Here is an example and explanation: https://eforms.com/rental/esto...Some have a lot of legal jargon but this document does not need to be so detailed.

You have to have a quality explanation such as change of life circumstances, etc to explain why.

Either the agent's own misunderstanding or from the agent's unclear explanation to their clients.  

With no explanation I would email them and get one. 

Unless you got one heck of a letter of explanation to get it omitted.