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For manually underwritten loans, the income from a non-occupant borrower may be thought of as acceptable qualifying income. This income can offset certain weaknesses that may be within the occupant borrower’s loan utility, akin to restricted income, financial reserves, or restricted credit history. However, it will not be used to offset significant or recent instances of main derogatory credit in the occupant borrower’s credit history. The occupant borrower should still reasonably exhibit a willingness to make the mortgage payments and preserve homeownership. If the income from a non-occupant borrower is used for qualifying, the LTV ratios are restricted.

Available liquid reserves: subtract any funds needed to complete the transaction (down fee, …