Citrus trees like for their roots to dry out a bit before waterings, both inground and in containers. If the sprinkler system is soaking the ground everyday the roots may not have a chance to dry out and you could have some root rot happening.

a free show of mother nature... and some suggest a sign of good air quality ... enjoy it ... as to the rest.. first.. ID the tree ... here.. with pix of the leaves ... then decide if its a quality .. long lived tree ... then step back.. and decide if its overhanging anything of value.. like your life or your house ... maybe the neighbors.. if they are worthy ... AND THEN DECIDE IF TRIMMING IS NEEDED... if its a carp tree.. one basal cut at ground level.. solves all your problems ... in other words.. old, crumby trees may not be worth investing in pruning ... and my be one of the reasons the prior owners sold and ran away ... at this point.. you dont really need to spend money.. for the ID ... and that is where we begin ... and a pic of the whole situation... house.. tree .. etc ... will get you opinion if you need a certified arborist.. or a monkey with a chainsaw and insurance .... ken

I can't say whether or not it's mealybugs or fungus, but I did want to chime in. Not all fungi are bad. In fact our rainforests wouldn't be able to exist if it weren't for the fungi that break down dead organic matter and recycle the nutrients back into the ecosystem. That's why archaeologists have discovered entire petrified forests from our ancient past. Because all of these massive trees had no way of decaying back down into reusable nutrients. These ancient trees just lingered there for so long that they eventually petrified into stone. It wasn't until many millions of years later, when fungi were able to evolve and take up their role in recycling dead organic matter back into our environment. For the longest time, orchid growers could never get their orchids' microscopic seeds to germinate. They would just sprinkle the very fine orchid seed "dust" down close to the parent plants' roots and just hope for the best. It wasn't until a botanist figured out that they needed a specific fungus to "infect" the seeds and get them to germinate. After that discovery, orchid growing and hybridization essentially exploded onto the market. Now we have literally hundreds of thousands of hybrids, with ever more newer varieties being introduced all of the time. All thanks to the symbiotic relationship between orchids and their beneficial fungi. I've found fungi growing in many of my plants in the past. And not once do I ever remember any of them being adversely affected from it. In fact, it always seemed to be quite the opposite. My plants were/are doing great. And from what I can tell, your Fiddle Leaf fig seems to be doing great as well, and doesn't seem stressed out at all.

Start in a pot and move to the ground after a couple of years.