I am sorry to hear your predicament! You need to talk to your agent. Normally there is earnest money they deposited which is now forfeited by them as they are past the contingency period presumably - usually it is around 2.5% of the sale price. However it may be best to try to work with them if possible, they may be able to get a different loan.

@ Rita Council - So sorry you are dealing with this so soon after moving in. With regard to the pet training service - in addition to the noise your board has to also enforce other rules regarding running a business and maintaining insurance. They also have to protect the association from incidents that could occur on common grounds. I worked in the humane industry and as much as I love animals, I am very aware of the risk that any business that deals with animals holds. When I ran a mobile pet vaccination service at pet stores I needed to carry $1 million/$3 million coverage for myself, my business, my employees, my independent contractors (vets), the pet stores where we conducted business and the property owners where the pets stores were located. We also needed to get riders or event insurance if we held a clinic at a community event. What are the rules for your community for running a home based business? What types of businesses are allowed? Is the business licensed? Is the business insured? Is the condo association covered if an incident occurs in a common area or involves another tenant or their pet? One of our greatest risks was dogs that were not dog friendly. We had to be constantly watching for signs of dog on dog or dog on cat aggression. If the board is aware of the business and has not made sure that adequate insurance has been obtained they could be held liable.

@Stax - Do fencing companies in your area actually install new fences near the property line without a survey? In both areas that I have homes in, fencing companies require that the property line be marked by a surveyor before they will install a new fence near it. It is a liability issue and I am actually surprised that any fencing company will do otherwise. If the fencing company installs your fence on your neighbor's property, and your neighbor objects, they have to restore the neighbor's property to its original condition. Which means they have to remove the fence, dig out the concrete, fill the holes and sod those areas. The final cost of correcting one side is likely to be more than the entire fence and installation. That amount can also be difficult for them to recover. Of course, you can DIY it and put up your own fence, but without a survey you need some way to find the property line and you better be sure that you know where it is. Because your neighbors don't have to DIY the correction if you mess up. So, I think it is completely fair to say that if you are putting up a fence on the property line, you need a survey. This is not to say that it is required by law, but it is certainly prudent. ETA: Just because I can see a semantics argument coming... Putting up a fence is different than replacing an existing fence. If you are just replacing an existing fence you may not need a survey as that largely indemnifies the fencing company.

My top 10 thoughts. That being said, clean and clutter free top these! Kitchen Renovation: A modern, functional kitchen is often cited as one of the best returns on investment. However, the key is to keep the renovation in line with the rest of the house and neighborhood. Over-improving can make it difficult to recoup costs. Unless you live in a multi million dollar neighborhood, redoing a perfectly good kitchen is not worth the money. It may help you sell the house faster like violetstapdragon mentioned, but you won't recoup your money for it. I would make sure there's good lighting and nothing is chipped or broken. Bathroom Updates: Like the kitchen, a bathroom upgrade can be a selling point. Basic updates like new tiles, fixtures, and lighting can make a significant difference. Same as the kitchen. Obviously there should be no chipped tiles or grout falling out, etc. Landscaping: Curb appeal is crucial. Simple landscaping upgrades can dramatically improve the first impression that potential buyers have of your home. Agree. The first impression is very important. Energy-Efficient Features: In today's eco-conscious market, energy-efficient appliances, windows, and even solar panels can make your home more attractive to buyers. Yes they'll make it more attractive to buyers so your house may sell faster, but it won't add a penny to what you can get based on comps in your neighborhood. And things like solar are very expensive. We put in solar for our own benefit. However when we sell sometime hopefully in the distant future, we don't expect that to bring us extra dollars. Fresh Paint: A new coat of paint is one of the most cost-effective ways to brighten up your home and make it more appealing to buyers. If the walls are looking tired, I agree. Flooring: Replacing old carpets or refinishing hardwood floors can have a big impact and usually offers a good return on investment. Dirty and stained carpets or chipped flooring yes. Otherwise a good cleaning is all that is needed. Again this will not help you get more money. It will only help you sell your home more quickly. Home Office: With the increasing trend of remote work, a well-designed home office can be a selling point. Or just stage a bedroom as a home office. Smart Home Features: These are becoming increasingly popular and can add a modern touch that appeals to younger buyers. Again, don't spend the money for something you won't make back when selling. Basement or Attic Conversion: Additional living spaces like a finished basement or attic can add value, especially in markets where space is at a premium. You won't make back the cost to convert it. Roof and Structural Repairs: While not glamorous, a new roof or addressing any structural issues can make your property more appealing as it saves the new owner from immediate, costly repairs. Absolutely this is important.