Douglas/Doug, thanks for the suggestion re: RELP. Beth, thanks for the suggestion re: SFN. I've suddenly learned more about family structures that I ever intended :)
For anyone that might look up this string later, using the example I provided, RELP shows the household of 4 people is comprised of a householder, the householder's unmarried partner (the unmarried partner is not part of the "family"), the householder's sister, and the householder's in-law. The sister and in-law are a subfamily of the householder's family. The sister has no income and the in-law's income is part of the "family" income using the fincp variable. The unmarried partner's income is not part of the "family income" since by definition that person is not a member of the family.
It seems like an odd definition of family to include the sister/in-law but exclude the unmarried partner, but it is what it is. And, it seems a little more unusual when there is more than one subfamily (e.g. serialno 2011000737718 of the same dataset utilizing the SFN variable to evaluate), but again it is all about the definition of family and the concept that there can technically only be one formally defined family in a household.
Thanks for everyone's feedback/help!