House settling

Hey RealEstate,

I own a home and am about to refinance. I live in an area that has clay soil.

The house has movement as evidenced by the number of drywall cracks.

I was considering renting this place out. I decided to call a structural engineer to see if everything is ok.

He said the house itself is not in any danger and recommended I get cement around the house (2% grade) to divert water away from the foundation .

He gave me the number of some companies and recommended I get that done to stop the settling before I repaired any cracks.

Anyone dealt with this before? Should I cancel my refi and forget about renting it out and just sell it after I pretty it up?

Please advise