http://findhoalaw.com/code-of-civil-procedure-section-325-adverse-possession/Your mother is not required to do anything.  

I expect to work hard, so am not adverse to the work.  

Misdemeanors are case by case basis.All adverse decisions get the appropriate FCRA notice.

I want to communicate the bill in a way to not create tension and adversity.  

If you take 'adverse action' (decline them or request a higher security deposit) on an applicant, you should provide an Adverse Action Letter to the applicant (many templates/guidance online etc).If you don't have acceptance criteria and appear wishy washy, it may appear (at times) as discrimination -- even if you're trying to be nice...

@Joseph Aginswhat state, and have you looked into adverse possession.

I'm admittedly fairly risk-adverse in the first place, and between our ages and personal circumstances, what to do next is a challenge.

He has enough cashflow in his business, but too many deductions which brings his taxable income to a very low number.He has quite a bit of cash reserves, and the credit score in 750+ range with no adverse events on his history.Can anyone recommend a lender for his case?

When sourcing notes, how do investors account for adverse selection?

In most states after a certain period you can claim ownership thought "Adverse Possession" Keep in mind it takes 20 years in MD so it may not be a very practical option.