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A person may overcome this presumption with documentary evidence. For example, if a presumed liquid asset cannot be converted to cash within 20 working days from the date the person requests the funds from the account, there must be documentary evidence, from the financial institution, showing that the request has been received and at what point such funds will be available to the individual. Such requests must be submitted to PAL for review. Once the funds are withdrawn, if retained, they will be considered countable upon the first moment of the first day of the following month. In this situation, if verification from the financial institution is received clearly displaying that a member is unable to liquidate a resource within 20 days, send to PAL for review. 2620.00.00 TYPES AND VALUE OF REAL PROPERTY RESOURCES Real property consisting of land, which includes buildings or immovable objects attached permanently to the land, is to be evaluated as a resource according to the requirements of each assistance category. 2620.05.00 REAL PROPERTY OWNERSHIP Real property is to be considered as a resource according to the requirements of each assistance category and the type of ownership of the property. (Refer to Sections 2605.05.00 and 2605.25.10.) Ownership of real property can consist of an interest in the title as follows: • Sole Ownership: When property is solely owned by one individual, only the individual or their legal guardian may sell the ownership interest without conditions imposed by others. The individual is legally entitled to all income which may be generated from the property. • Joint Ownership: Joint ownership is the holding of property by two or more people who have an equal interest in the whole property. At the death of one of two joint owners, the survivor usually becomes the sole owner. At the death of one of three or more joint owners, the survivors become joint owners. o If an applicant/recipient jointly owns real property with another applicant/recipient of any assistance program, proportionate shares of the property are to be assigned to the joint owners and considered as a resource in accordance with the program requirements. o When a non-recipient is one of the joint owners of real property, the availability of the applicant's/recipient's proportionate share must be determined. (Refer to Section 2605.15.00.) If the applicant's/recipient's proportionate share is available to them, it is to be considered a resource as required by the specific assistance program. If the applicant's/recipient's proportionate share is not available to them, the resource is exempt. • Ownership in Common: An ownership in common is the holding by two or more persons of separate titles in the same real estate. Each owner has a divided interest in the whole property. There is no right of survivorship to ownership in common. It is not joint ownership. • Ownership by Entirety: Ownership by the entirety refers to property owned by a husband and