In this section the following words have the meanings indicated. “Accessory housing” means a dwelling with complete and independent sleeping, cooking, and living facilities that is: within, attached to, or on the same parcel as a single-family, owner-occupied dwelling; and subordinate to but under the same ownership as the single-family, owner-occupied dwelling. “Shared housing” means a single-family, owner-occupied dwelling adapted for common and shared living use by the owner-occupant and another family of limited income. “Sheltered housing” means a single-family, owner-occupied dwelling that: accommodates the owner-occupant; and provides sleeping and living facilities, meals, and assistance with daily activities for a rental fee to not more than 15 elderly individuals or individuals with disabilities. There is an Accessory, Shared, and Sheltered Housing Program. The Department shall operate the Accessory, Shared, and Sheltered Housing Program and make loans for rehabilitation costs for accessory, shared, and sheltered housing from the Special Loan Programs Fund under this subtitle. The terms for accessory, shared, and sheltered housing loans shall satisfy the requirements of § 4-916(b) of this subtitle. To qualify for an accessory housing loan, an applicant shall: own the property for which the loan is made and agree to live in the property after the rehabilitation is completed; and agree to use the loan proceeds to implement a rehabilitation project to provide an accessory dwelling for a family of limited income for a fixed minimum term that the Department determines; or be a family of limited income when the loan is made and agree to use the loan proceeds to provide an accessory dwelling for a fixed minimum term that the Department determines. To qualify for a shared housing loan, an applicant shall: be a family of limited income; own the property for which the loan is made and agree to live in the property after the rehabilitation is completed; and agree to use the loan proceeds to implement a rehabilitation project to provide shared housing or an accessory dwelling for a family of limited income. To qualify for a sheltered housing loan, an applicant shall: own the property for which the loan is made and agree to live in the property after the rehabilitation is completed; agree to provide shelter, meals, and assistance with daily activities to not more than 15 elderly individuals or individuals with disabilities who qualify as families of limited income; and demonstrate that the property will be certified by the appropriate governmental unit to provide sheltered care to elderly individuals or individuals with disabilities.