sometimes, people just have too much time on their hands and get worked worked up...they should just deliver the offers to the seller in my opinion..

Possession to be delivered to Buyer, subject to rights of present tenants. if any.X At the completion of the closing of the sale."

Some places also offer you the right to request the property be delivered vacant; meaning your only way out of existing leases is to have the tenants move before Close.

It was delivered and her tenants opened it and read it and then called her to tell her what it said.Tenants are reading her mail but she focused on me.

Can you get her to sign off that she no longer wants those possessions or else deliver them to her?  

Reputable lenders may ask for a small deposit toward third party costs (appraisal, environmental, etc.) after delivering a term sheet and/or commitment but not generally something so amorphous as an "insurance fee" - those kind of costs, if necessary to close the deal, can typically handled at closing.  

When we buy properties, it's always subject to the property being delivered vacant.

It seems like a good fit, so that's why I'm looking for people who've had experience with them to see if they can deliver.  

You can then shop and deliver.

The first step is to deliver a 3 day Notice to Vacate.