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A majority of owners need to agree before moving forward (so 3-1 or 5-3 in the examples you gave). The threshold increases for more costly expenses

So 2 people in agreement can just gridlock everything in a 4 person unit forever? That seems broken.

If all it takes is two (out of four) to decide something, the other two could immediately rescind the decision. It has to be a majority.

In most bureaucracies gridlock is not a bug, it’s a feature. It forces wider consensus.

What if they don't put out the money for the cost of upgrade because they didn't vote for it?