我不是专家。但是感觉第一点更可怕。因为STUCCO over wood frame could cause a lot of issue. if woodframe is rotten, cost could be huge.
http://www.structuralhelp.com/cracks-in-stucco-over-wood-framing
http://www.structuralhelp.com/cracks-in-stucco-over-wood-framing