24 CFR §1005.407

1. (a)Adequacy of Borrower gross income.
   1. (1)All Borrowers must establish, in accordance with Section 184 Program Guidance, that their income is and will be adequate to meet:
      1. (i)The periodic payments required by the loan to be guaranteed by the Section 184 Program; and
      2. (ii)Other long-term obligations.
   2. (2)In cases where there is a non-occupant Co-Borrower, the occupying Borrower must meet a minimum qualifying threshold, in accordance with Section 184 Program Guidance.
2. (b)Non-discrimination. Determinations of adequacy of Borrower income under this section shall be made in a uniform manner without regard to age, race, color, national origin, religion, sex (including gender identity and sexual orientation), familial status, disability, marital status, source of income of the Borrower, location of the property.