We had a mold inspector out who confirmed that the smell indicated that there was moisture and mold in the wall cavities. We contacted a moisture intrusion specialist who came out and immediately pointed the finger at our stucco.
He said that stucco over wood framing was vulnerable to cracking and moisture intrusion, and that OSB, the sheathing they used behind our stucco, is very susceptible to rot and mold. He said that even the tiny "superficial" cracks in our stucco can wick in huge amounts of water, and that since we have no weep screed, there is no way for water to drain out once it gets in.
He also noted details like the drip caps over our windows - note that there's no metal flashing, so only a layer of caulk keeps the water out. This cap should also be sloped to drain water - it's not. Water collects on the surface and drips into the wall through any gap in the caulk.
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