Mich. Admin. Code R. § R 125.103

Definitions; H to S.

In Force
Verified 10/13/2026 · Next check 11/12/2026
effective 10/13/2026MichiganAffordable Housing Programs

Operative Text

Mich. Admin. Code R. § R 125.103
Rule 103. As used in these rules:
(a) "Household" means an individual or family residing or intending to reside in a single-
dwelling unit.
(b) “HUD” means the United States Department of Housing and Urban Development.

(c) "Individual or individuals with disabilities" means an individual who has a disability
that is a physical or mental impairment that substantially limits 1 or more major life
activities, has a record of the impairment, or meets the definition of having a disability
under any federal, state, or local program for the disabled.
(d) "Individual or individuals with special needs" means an individual with physical
disabilities, mental illness, substance abuse, or an addiction, or who is homeless, and who
may need supportive services to succeed.
(e) "Local community" means any of the following entities that presents evidence that it
is acting in a manner consistent with the objectives of the act with respect to the provision
of housing or community development:
(i) A public body or agency.
(ii) A quasi-governmental body approved by the authority and established by state or
federal law, the governing board of which is elected by the residents of a definite
geographical area.
(iii) A park or playground association established pursuant to the provisions of 1911 PA
161, MCL 455.301 to 455.313.
(iv) A nonprofit corporation, limited dividend housing corporation, or limited dividend
housing association.
(f) "Low-income individuals and families" means, as used in section 15a of the act, MCL
125.1415a, any of the following:
(i) Any individual or family whose household income, at the time of initial occupancy
of a unit in the housing project, does not exceed 80% of the area median income, adjusted
for family size, as published by HUD.
(ii) Any individual or family whose household income does not exceed the limits of an
ordinance enacted by the municipality where the housing project is located, based on
conditions existing in that municipality such as affordable housing needs, variations in
construction costs, and fair market rents.
(iii) As used in 15a of the act, MCL 125.1415a, only, provided that not less than 30% of
the units in the housing project are income- and rent-restricted to 80% or less of the area
median income, the household income of all individuals and families occupying units in
the housing that are not income- and rent-restricted to 80% or less of the area median
income is imputed to be 80% of the area median income, adjusted for family size, as
published by HUD.
(iv) Except as provided in paragraph (ii) of this subdivision, this definition of low-
income individuals and families applies to all housing projects that are now or become
eligible for the exemption under section 15a of the act, MCL 125.1415a.
(g) "Minor" means a member of a household, other than the household head or spouse,
who is under 18 years of age or who is under 19.5 years of age and a full-time high school
or high-school alternative program student.
(h) "Mortgage loan" means a loan that is authorized by resolution of the authority or by
a mortgage loan commitment issued on behalf of the authority and is made to an applicant
for a housing project or a housing unit from the proceeds of the sale of the authority's bonds
or notes and other available funds for the purpose of providing construction financing or
long-term financing, or both, the repayment of which is secured, or is to be secured, as
provided in the act.

(i) "Permanent general improvements" means alterations, repairs, and improvements on
or in connection with an existing residential structure that substantially protects or
improves the basic livability or energy efficiency of the residential structure to be
improved. Permanent general improvements do not include materials, fixtures, or
landscaping of a type or quality exceeding that customarily used in the locality for
residential structures of the same general type as the structure to be improved.
(j) "Property improvement loan" means a loan that is authorized by the authority for home
improvements that protects or improves the basic livability of a single-family or
manufactured home.
(k) "Residential structure" means real property that is improved by a structure, and the
structure is used primarily for residential purposes on a year-round basis. Residential
structure does not include a mobile home or a trailer.
(l) "Sponsor" means an individual, group, or organization that stimulates or promotes an
applicant, and continues to be interested in the activities of the applicant with respect to a
housing project.

History: 1979 AC; 1980 AACS; 1981 AACS; 1982 AACS; 1983 AACS; 1991 AACS; 1998-2000 AACS;
2023 AACS; 2026 MR 11, Eff. June 8, 2026.
Source: Legislative text reproduced verbatim
Plain English

Rule 103 of the Michigan State Housing Development Authority (MSHDA) General Rules, found at Mich. Admin. Code R. 125.103, establishes the official meanings of key terms used throughout the broader ruleset. These definitions cover concepts ranging from who qualifies as a 'household' or 'low-income individual or family' to what constitutes a 'mortgage loan,' 'property improvement loan,' or 'residential structure.' Because these definitions govern how the rules are interpreted and applied, they shape eligibility determinations, program requirements, and the scope of MSHDA's housing programs across Michigan.

Written by anthropic/claude-sonnet-4.6 · Reviewed on October 13, 2026

Plain English — not legal advice.

For Property Managers

Property owners and managers participating in MSHDA-administered programs should be familiar with the definitions set out in R. 125.103, as these terms directly affect how eligibility, income limits, and property classifications are determined under the rules. For example, the definition of 'low-income individuals and families' ties income thresholds to HUD-published area median income figures, and the definition of 'residential structure' explicitly excludes mobile homes and trailers. Operators who understand these definitions are better positioned to accurately classify units, screen applicants consistently, and document compliance with program requirements.

General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.

For Tenants

Tenants and applicants seeking housing through MSHDA-assisted programs benefit from understanding the definitions in R. 125.103, which set the baseline for who qualifies and under what conditions. For instance, the rule's definitions of 'individual or individuals with disabilities' and 'individual or individuals with special needs' may be relevant to eligibility for certain supportive housing programs. Those who believe they have been incorrectly classified or denied eligibility based on these definitions may wish to consult a tenant-rights organization or legal aid provider familiar with MSHDA regulations for general guidance on available options.

General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.

Generated October 13, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.

Effective Timeline

Current
Oct 13, 2026
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References Out

Rules and statutes cited by this regulation

1911 PA 161
Not yet ingested
MCL § 455.301
Not yet ingested
MCL § 455.313
Not yet ingested
MCL section 15
Not yet ingested
section 15a of the act
Not yet ingested
MCL § 125.1415a
Not yet ingested

References In

No inbound references recorded yet for this provision.

Related Rules

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§ 574.605 Applicability of uniform administrative requirements, cost principles, and audit requirements for Federal awards.
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§ 574.625 Conflict of interest.
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Source Information