Should appraiser go inside the units of a 4plex or no?

[Ellie Narie]

My lender said that because of coronavirus, it is possible to choose to have the appraiser not go inside the units (I'm getting an FHA loan for a 4plex). Should I still have the appraiser go inside or no?

I also got a home inspection, and the home inspector went inside all the units, so the tenants are ok with people going in there... but is there any benefit for me if the appraiser goes inside vs not?  Here are the facts about the property: 

Pros: 

-2/4 of the units have nice wood flooring. 

-All the units look "clean" and in "decent" condition, with some "buts"... 

Cons: 

-All the units need more caulking in the bathrooms and there is some visible (minor) vinyl water damage in the bathrooms (vinyl looks black-ish in some small areas). 

-Exhaust fans in the laundry rooms not turning on in 3/4 units. 

-Attic has signs of rodents (feces). Inspector said rodents probably climb on the trees and get in there, because there are tall trees touching the building. 

-One of the exhaust fans from one of the unit's bathrooms is disconnected in the attic, so the fan essentially blows air from the bathroom into the attic... 

-One unit has bad stained carpet, black in a lot of areas, but it hasn't been professionally cleaned yet, as the owners evicted the tenants from that unit (it will be the unit I will live in because it is vacant). Should I ask sellers to replace carpet?

Besides this, all the units look "clean" and in "decent" shape.

There are also some problems on the exterior. Some signs of dry rot, there was a little place where there was exposed wood (I know FHA doesn't like this, what should I do? It's hard to notice though). The siding has water damage in one area of the building, but otherwise, the building "looks decent" at first glance.

What repairs should I request from the seller? Where should I request "credits/discounts" on the purchase price from the seller? What does the seller absolutely need to fix for the loan to fund? Should I have the appraiser go in the units, or no?