Such an easement is an easement by perscription and will require certain aspects;An uninterrupted use, the use must be continuous over the period required vesting such an easement.The use must be adverse use, without the owner's consent. 

And do you think potential renters seeing you lower the rent adversely affects your ability to get good renters?

The reason I cited was the ongoing bankruptcy.I realize I need to send an Adverse Action Notice under FCRA as well.My question is: should I cite *all* the above reasons in the Notice, or just stick with active bankruptcy I already gave as the reason?

Some varieties of mold are toxic and may cause adverse reactions in certain individuals.Landlord’s Disclosure (initial)(A)Presence of mold and/or moisture hazards (initial one below):______ Landlord is aware of present or past mold and/or moisture hazards in the housing unit.

Here is the Seattle definition: “Discrimination” means any conduct, whether by single act or as part of a practice, the effect of which is to adversely affect or differentiate between or among individuals or groups of individuals, because of race, color, creed, religion, ancestry, national origin, age, sex, marital status, parental status, sexual orientation, gender identity, political ideology, honorably discharged veteran or military status, alternative source of income, participation in a Section 8 or other subsidy program, the presence of any disability, or the use of a service animal by a disabled person.

Looks like you have a great handle on things, but also are adverse to risk, (which is a good thing.) 

I am just trying to be risk adverse here as there are people who have been renting for longer than I have been around and there is always someone looking to take advantage of the system. 

You have to be prepared for adversity in any business.

It's called "adverse possession".I'm not a lawyer and this isn't legal advice. 

Also, share what what actions you will have to take "according to the lease" and what adverse affects this will have on their financials and them as a tenant going forward.