I got the moldy smell in my 2018 M3+, and cleaned the coils, as well as changed the filters. I put a simple "grate" type cover on the intake vent, as I did find some debris in there.
Smell came back several months later, and I checked the filters-clean. Coils looked clean, but I ended up cleaning again, replacing filters, but this time I also used an ozone air cleaner, which I cycled for about 20 mins with the windows closed, and recirculated the air through the system.
Bingo!
Made a huge difference, and the smell's been gone for about 1 1/2 years