Annual income must include income from all adult ______ members.

The correct choice emphasizes the requirement that for USDA Rural Housing Loan eligibility, the annual income calculations must include income from all adult household members. This means that any adult living in the home who contributes financially must have their income counted to assess the household's overall financial situation.

Including all adult household members in the income calculation ensures a more accurate representation of the household's financial capacity. This consideration helps the USDA program target assistance toward those in greater need by evaluating the full economic resources available within the household.

Focusing solely on relatives, friends, or specific employers would not encompass the complete picture of financial support available within the home. For example, counting only relatives might exclude valuable income contributions from non-family adult housemates or partners who are helping to pay for housing costs. Thus, emphasizing household members captures all potential contributors to the household’s income, aligning with the intent of the USDA loan program to provide fair and equitable access to housing assistance.