With most homes going over asking, I’d hardly say that it’s sellers taking advantage of people. It’s just the market right now. We lost out on 6 offers due to using VA. Got the 7th place we looked at and put an offer on. It is what it is. I could have gone conventional but didn’t want to liquidate investments and guns to make that happen. Either be patient or walk away from buying right now. It’s not getting any better and will take a few years for the waves to subside.

This is correct - VA & FHA loans are more highly scrutinized on the appraisal.  There are certain things that will fail inspection on VA & FHA that won't matter in a conventional loan.  Roof being first and foremost - any leaking of the roof... it isn't passing the guidelines.  VA & FHA typically take around 10-15 days longer in underwriting as well since they are "government backed" loans.