The cooling coils the air comes into contact with appear to need UV-C lights on them in humid climates. That's the biggest thing. If the ducts have never been cleaned, then getting that done goes without saying. But those coils need to be cleaned, disinfected, and then UV-C light(s) installed to prevent mold & bacteria build-up in the future on them. That appears to be chiefly responsible for the dirty laundry and/or sour milk smell coming from forced-air AC systems in humid regions.
PickHVAC Tips: Installing the right size central air conditioner is extremely important. Have a load calculation done to ensure proper sizing. ACs that are too big aren’t as energy-efficient as they should be, and they cycle on and off too much. This creates over-cooling and temperature imbalance. Units that are too small run constantly in very hot weather and can’t keep your home cool. When an air conditioner is properly sized, it runs at optimal efficiency and indoor comfort.
A small number of products are currently registered by EPA specifically for use on the inside of bare sheet metal air ducts. A number of products are also registered for use as sanitizers on hard surfaces, which could include the interior of bare sheet metal ducts. While many such products may be used legally inside of unlined ducts if all label directions are followed, some of the directions on the label may be inappropriate for use in ducts. For example, if the directions indicate "rinse with water", the added moisture could stimulate mold growth.
Clean the condenser fan blades before the start of the cooling season. Brush any dust or debris off gently and then uncover the condenser coils, gently cleaning the dirty side. Then wrap the motor and other electrical components in plastic bags and gently spray from the inside with a hose. Now check the base pan under the unit and clear it out of any debris that has gathered.
You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.