Most Bank-owned homes are sold "as-is". Any repairs or services MUST be specified in the contract, and banks rarely agree to any of them. Your best bet is to get a quote from a reputable septic servicing firm BEFORE you make the offer, and include it in your price calculation. While you are talking with them, you might invest in a thorough inspection. Most banks will allow a 7 - 10 day inspection period. Also ask them about permit status and "what can possibly go wrong?" because it will.
Daniel Del Real, CRS