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RESOLUTION 2007-131 2. The owner must possess and provide clear title to the property, although it may be jointly owned and the property may be mortgaged. Ownership through life estate, or other legal satisfactorily documented ownership is considered satisfactory for program participation. Providing proof of title is an owner responsibility and expense. 3. The owner must reside in the dwelling to be rehabilitated at the time of application. 4. Property tax, mortgage payments, and utility bills must be current and ownership must not be jeopardized by any other threat of foreclosure, default, or clouded title. 5. The property must be fully insured for flood insurance, if the home is in the 100 -year floodplain. Any unit to be addressed with rehabilitation funds must be elevated to at least one foot above base flood elevation (or to local code) whichever is greater. 6. All applicants that may have a business or familial relationship with a member of the Indian River County Commission, the Citizen Advisory Task Force Committee members, Housing Rehabilitation Specialist , Program Administrator, and participating construction contractors must fully disclose this relationship at the time of the application, at the point in time in which the conflict occurs and definitely before a construction contract is executed. 7. If a boundary survey is required, the owner is responsible for providing necessary proof or documentation at the owner's expense. 8. Residents and owners of rental property are not eligible to participate in the program. B. Household Income The following rules are applicable in determining household income: 1. The gross annual income of all household members occupying the dwelling is included in calculating household income. However, wages earned by dependent minor children (under 18) are not included in total. 2. Occupants of a dwelling who are not related to or dependent upon the owner(s) are not considered as part of the owner's household. 3. Rent or other household support contributed by non -household occupants of a dwelling is included in household income. 4. The owner's assets, with the exception of the home in which he/she resides and personal property such as an automobile, will be considered in determining eligibility. The actual annual income from the asset will be calculated as part of the total household income. Inclusion of such assets, if any, will be in strict accordance with 24 CFR 813.106 and any current modification thereof. VI. STRUCTURAL REQUIREMENTS A. General In addition to owner eligibility requirements for participation in the Housing Rehabilitation Program, the dwelling must be: 1. Below Section 8 Minimum Housing Quality and/or Florida Building Code Standards, including current Wind Load Standards; and 2. Feasible for rehabilitation. In order for a house to be considered feasible for rehabilitation, proposed construction must: a. correct all violations of the local housing code and Section 8 standards;