Many/most of the houses we get involved in have at least *some* foundation issue, soil movement, etc. 

If you install one, just check your sink every month when you pick up the check to make sure no leaking underneath.  

They will also sell you an interior sump pump for another 10k when the water is obviously entering from the exterior soil.

Don’t put on asphalt without putting some plates underneath the footings.Financing as noted above.  

.* Subsidence Exclusion - Simply put, this is an exclusion that applies to any damage (big or small) caused by the shifting of soils and clays under your dwelling, along with earthquakes, landslides, sinkholes, etc.  

If you can't get sewer, then your alternative is onsite septic, if soil is suitable, then your buildable area shrinks dramatically due to drain field and reserve areas for each home.

No hammer or MLS offers, just waiting, turning soil, following up on Nixies etc...I know exactly what I want.

If you're willing to go out and till the soil, good for you.

The locals did not freak out, but the adobe soil there expands when it rains and contracts during long periods of droughts (the late 1980s and the early 2010s).What you do in your area is your business, but I learned the hard way to be on a solid foundation (my picture window at the front of the house cracked during the drought of the late 1980s and it took me awhile to figure out why).

So, there were issues that we noticed, like moisture underneath the house.