I found a crack in the block foundation of my house with black mold coming from it...?

I found a small crack with thick black mold in a 1’x3’ area & a little mold on back of drywall 1 ft up thru entire finished basement. I removed all drywall 4 ft up, took out all carpet & trim, bleached foundation, wood framing & floors. I found a few hairline cracks (probably from settling), but no mold near them. There’s some rusty nails in wood, vents are rusting & some of wood is damp & rotting & also near floor above what looks like concrete block turned sideways in the floor. I hit in holes with a screwdriver & its concrete at bottom. I patched up cracks with masonry cement, coated foundation with masonry sealant & coated wood with mold-resistant paint. I was told to build up around foundation with a lot of dirt & put rubber sheeting between dirt & foundation. Siding & windows need replacing, but don’t have $ for that right now. Should I do a quick-fix & sell house for what I owe on it or should I just gut & refinish entire basement or just replace drywall 4 ft down?