Goodgulf:
My mom's Cousin Joan is coming for the summer" or "My mom's cousin Joan is coming for the summer"? That is, is the relationship mentioned there still part of the proper noun?
As you said, use a capital when it's used as a title e.g. Uncle Don and Aunt Melania, and don't when it's not (my uncle, Don...) so...
In the example above, I'd say it's very hard to make a case for the first (with capital) version. Maybe if you were comparing Cousin Joans you might say "My Cousin Joan is nicer than your Cousin Joan" in which 'Cousin' is used as a title.