The Owner Occupied Rehabilitation program helps very low income families in rural areas by repairing or replacing substandard housing. UMRC places special emphasis on houses lacking indoor toliet facilties, or with electrical or fire hazards. Projects range from installation of wheel chair ramps to whole-house rehabilitation. Assistance includes not only repairing or replacing their substandard housing, but also working one-on-one with the families to increase their level of self-sufficiency in maintaining their homes and to increase their awareness of their property as an asset. (75% of families assisted have been at or below 30% of the AMI)