How bad is it?

I'm currently really interested in making an offer for this house. FHA loan. But here is how the garage ceiling look. I didn't show the rest because seller has a bunch of junk that fills up the garage.

My agent said this is gonna be a hit or miss with FHA appraiser.

As the first time buyer, this is hella sketchy to me but I saw people have no celing or insulation at all in their garages. This one is semi-attached to the house, you have to go out the back yard for the side door to the garage. What do yll think?