There is something called an "easement by prescription." 

Monday (Memorial day) Tenant texts me at 8am asking what the plan is for the mailbox key saying he has a prescription coming and he really needs it.

If you are new, this is the actual prescription for analysis paralysis.

All of the elements of an easement by necessity (or prescriptive easement, depending upon the facts) would need to be satisfied... read SD case law to find out what would need to be proven.

(d) Easements of any kind, including prescriptive, constituting servitudes upon or burdens to the property; water rights, the record title to which is held separately from the title to the property; and restrictions of record.

Plus raising kids when you have no benefits I know for about the first 10 years or so all we could do was major medical so doctor visits  prescriptions etc were not covered. 

It is a good policy, not catastrophic coverage, it compares to the policy I had at my old job except prescriptions are a little more expensive.

I had a tenant who was drugged up on prescription meds.

Hello Dan, Great information and detailed, I learn something even with the knowledge that I have from reading and researching.I want to use the ripening by prescription strategy.I have a question.

I think you equally partially answered that question, telling the difficulties you are facing with STR regulations.this is my prescription and what I have decided to do .consider HELOC your current property, use the money to 1- add some value to your current home if room provide ( not to exceed X $ amount) you can then rent out the extra created meat to help pay HELOC2- Use the balance of HELOC to purchase another home in an appreciating market and if possible one that allows STR. use cash flow from new property still towards HELOC and just allow second home appreciate OR if you can fine a fixer upper to do BRRRR tat will even be better.that is what I have resolved to to. you can get back to me at 301-256-1578 so we can continue to brainstorm.little cent