In the end, it is irrelevant as to why they changed their mind and are requesting their money back.

@Barbara Brennan requests for specific lenders need to go into the Marketplace.

So are the "Colleague Requests" similar to that of Linkedin?

If you are going to embark in this real estate investment journey, you will encounter this situation many many times again down the road.Investing in Real Estate requires that you use other people's money and those people will always request from you that you show financial discipline.If I were you, I would find an additional income source (second, third job), reduce monthly expenses to the bare minimum, ... etc.A few months down the road, you will be in much better shape.

Put them and the HOA Attorney on notice not to perorm any work on your unit unless it is requested in writing and confirmation is given in writing.

@Jeremy WilliamsIf the contract is being executed in English, you can request that a translation be provided and enclosed with the original.

When out of town guests wanted to see the sights, the number one request was Dealey Plaza.

And how likely are they to cooperate with such requests?

Looks like requests for public comments end today on regulators deciding whether private flood insurance can meet the mortgage requirement for flood insurance.

Requests for specific lenders need to go into the Marketplace forum, though.