Final answer:
The option 'Urban property only' is not a characteristic of home loans through the Rural Development program which supports the development in rural and suburban areas and contrasts with the practice of urban-focused lending or 'redlining.'
Step-by-step explanation:
The characteristic that is NOT a feature of home loans through the Rural Development program is c) Urban property only. The Rural Development program, typically facilitated through the USDA (United States Department of Agriculture), is designed to help buyers in rural and suburban areas with financing home purchases. Contrary to urban-centered loan programs, it allows for low-income eligibility, offers the option of zero down payment, and includes terms for fixed-rate mortgages. This program is in direct opposition to the historic practice of "redlining," where loans were often only given for properties in certain neighborhoods, essentially segregating housing and limiting access for minorities.