In competitive markets, aggressive buyers waive inspection, appraisal, or financing contingencies to stand out. But you're not an easy buyer—you're a vulnerable one. If the appraisal comes in low, you're stuck paying the difference in cash or backing out and losing your earnest money. If you can't secure financing, you're liable for the full purchase price. Keep inspection and financing contingencies in place, even if it means losing a bidding war. Your financial security is worth more than winning this particular house.