@Jed Butikofer you are in the right place to start getting the next level of education.

Hey Chas,I feel you!

(Which can be documented by your septic company if there is a clog or backup).

@Rene Brodowsky appraisers, like most workers, will take the path of least resistance if allowed.Appears they are using an AI system to valuate your home.As suggested already, you may want to request an actual appraisal, which you will have to pay for, and send your own comparables to Huntington Bank to try to guide the appraiser.Otherwise, you may need to try a different lender.

I am not an expert in either lead or FHA, but here are a couple thoughts for you to look more into.By lead in the unit do you mean paint?

Take action - If you can take it when you are 80% that is what worked best for me!

Account Closed is our local expert and am sure can strategize a plan for you. 

I highly recommend you travel to the market yourself and spend a couple days driving around, looking at various properties, if you are going to be buying anywhere.  

Sent you DM to a great agent/Broker that can shop for you. 

All you can do is what the others said.