Can mortgagors switch houses to take advantage of adverse possession?
I assume mortgagors can't become squatters unless the bank is being negligent. But if two mortgagors swapped properties, would the adverse possession countdown start?
Hostile
In this context, "hostile" does not mean "unfriendly." Rather, it means that the possession infringes on the rights of the true owner.
If the true owner consents or gives license to the adverse possessor's use of the property, possession is not hostile and it is not really adverse possession.
Actual
The true owner has a cause of action for trespass, which must be pursued within the statute of limitations.