Separate ownership evidence, tenancy evidence, and informal arrangements that need documentation.
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Labels are organizational only. State property, landlord-tenant, family, and tax law determine actual status.
Important: This is a general educational planning tool. It does not create legal rights, make an official determination, or replace a current quote, signed agreement, government instruction, or advice from a qualified professional who knows your facts and jurisdiction.
Primary reference: HUD housing counseling. Rules, thresholds, rates, and forms can change; verify them before acting.