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As used in this chapter, unless the context otherwise requires:
“Housing trust fund” means appropriations, reserves or dedications of any funds by the county;
“Low income persons” means qualified persons or families who lack the amount of income that is necessary, as determined by the agency, to enable them, without low interest financial assistance, to live in decent, safe and affordable dwellings without overcrowding; and
“Substantial rehabilitation” means improvements made to residential real property that exceed thirty-five percent (35%) of the proposed market value of the structure after rehabilitation.