We are buying with 20% down.Now it's getting to the nitty gritty, we have inspection on Monday and then a few days after that we are locked in.

I would suggest you refinance as soon as possible and lock your rate into a 4-something fixed and hopefully never touch the loan ever again.

I got the Buyer's Investment Profile, looked for properties that satisfied it, locked up a few properties, presented them, then he picked what he wanted (I believe it was actually 3 properties he picked), then delivered those three to the Buyer.From the time I got the Buyer Profile, to the time I got paid, was probably no more than 2 weeks.  

When a deal is that sweet, I always try and meet everyone there if I can instead of just giving them the lock box code.

This hasn't happened to me but I'm sure it happens often.Say you get a vacant house under contract, and the seller lives out of city/state.You get permission to have your partners/ buyers to come by and look at the property, possibly state in the contract being able to put a lock box on the house.BAM!

My wife every now and again locks herself in the bathroom and soaks for an hour.

People locking up property to sell to make a fee but have no ability to actually buy are not buyers.I have no clue what your capabilities are just speaking in generalities.Were you trying to lock this up for a low junk fee or putting thousands non-refundable down if it doesn't close.

If a sensor makes a sound with no ear to hear it does it really make any noise?  

I'm on my way to locking up my first investment property in Charlotte, NC.

The worst is between the ears.