Which option protects my money better in this market?

Comparing two options for protecting your money requires knowing what those specific options actually are, whether that's a contingency structure, an earnest money amount, or a financing choice, since this question doesn't name them. In general, contingencies tied to financing, inspection and appraisal are what actually protect a deposit if a deal falls through. Share the specific choice you're weighing and Joel Boss can walk through which one better protects your position.