An F but you’ll finish with a 3.5? You’ll be fine. Maybe aim your LSAT for above the median for those two schools, as long as ur around the median you should remain competitive. Write a great addendum that explains, but does not excuse, your situation of an F and 5 years. Law schools, especially those outside the top 14, are looking for candidates with potential. One F in college because of an explicable reason is not going to turn them off, especially if other parts of your application are good. You might not get as much money offers, but they won’t reject you because of one F. Definitely apply.