Foundation Cracks - Major Issue or Minor?

[Brady Grubb]

Hello BP,

Under contract on a SFH (1987) that is built atop a downward slope and it has visible foundation cracks along the rear of the foundation (see attached pictures). The major crack goes vertical top to bottom along the rear of the foundation (through a window frame). The crack can be seen from the inside as well and the concrete "beam" at the ceiling has shifted about .5". In addition to this crack there are two other visible cracks in similar orientation along the foundation near the top at other points in the home. I am going to schedule a structural engineer to assess the issues however I am curious if anyone has dealt with an issue like this or should I walk away. Luckily I did a 7 day inspection contingency so I have some time. Another question I had - I am paying cash for the home in efforts to BRRRR this property. How will these cracks affect a refinance if they are minor and are repaired with sealant only? Hoping to not run into trouble with financing because of this issue if properly fixed. The numbers make sense and I have a little bit of room to work with so if these cracks can be fixed reasonably and will not pose a future problem, I plan to continue on course. Thank you very much.