Someone correct me if i'm wrong but fair return is all encompassing and includes all conditions listed by @Paul Merriwether.

This way when they try to low ball me I have my own appraisal ready to go.Or - should I just request a PMI cancelation from Citizens bank and wait to see what their appraisal comes back at.Or - am I going about this all completely wrong?

Something is wrong and you aren't going to fix it by being detached and switching to another company.

By you all not thinking about what you are saying, this absolute nonsense spreads like a virus reinforcing the belief that because everyone regurgitates the same wrong stuff, it must be true.

There’s potential liability if something goes wrong or even tension between you and the seller.

I'm pretty sure I'm doing something wrong. 

Quote from @John Underwood: much better than expected.I got 5 liens and 2 more with partner. wrong person.

Whether they are right or wrong about the mold they will not stop and will continue to give your grief. 

But plenty could have gone wrong if it were not managed tightly - both during origination and while the loan was in service.

It's not typical the appraiser will admit they are wrong and bring it up.