As it is now its all sort of open with no true separation of rooms from kitchen to bedroom.

True to form, they didn't disclose they had added that language. 

Ordinarily, I would 100% agree that we would NEVER touch a retirement account for something like this, but because it's part of the CARES Act, the following is true:- The 10% penalty is waved- All taxes will be reimbursed if repaid within 3 years- There are no requirements on how to spend the money (this is of course different than if we were to just take a distribution outside of the CARES Act)So... we actually moved forward with this plan.

If I was to go a few hours outside of Wichita, it seems it may be possible.Yeah it depends on what you want.  40-100 acres really has no scale to make any money off of it.Also land within an hour or so of Wichita will sell at rec or development land/small acreage prices - and not to it's true value IMO.Crap land around where Iive in Topeka in between Topeka/KC will sell for 8-10k plus an acre for a cedar infested wasteland that needs Multiple $ks worth of development or a lot of hard sweat equity to get it developable.

Removing that room would allow me to frame out a true master bedroom and even add space for a stackable washer and dryer insert. it would even give the home a bigger living room. unfortunately, the property is sitting on a crawl space foundation so I was thinking and hopefully, my mindset isn't too far fetched of maximizing the functionality of the space I have to work with.You're completely right I have come a long way to get cold feet. 

If you are looking for true unsecured lines, and you or your client have solid credit, depending on what you're looking for, PM me. 

Usually, under adverse possession doctrine the true owner have some period of time in which to come forward - usually this period of time can be quite long like, for example, 10 years.   

I hear you but even assuming that’s true and it stays vacant for a while what have you lost?

I have no idea about true apartment buildings, but I own 2 duplex's and one triplex built in 1925,1925 and 1930.  

I'm going to look into both. if 5% holds true that would not be a problem at all.