can a co-borrower be a first cousin?can we use my credit but his down payment?non owner occupied-willing to put 20% down

You can put 20% down as gift money from a non occupant.

Hi, If I understand your question, your cousin would just be providing the funds and not on the loan for a SFR property that you would occupy. If that is credit the answer is yes your cousin can "gift" you the funds for the down payment and closing costs as well. Feel free to contact me for more specific details. 562.254.5616

I recently funded a loan wherein the cousin provided gifted funds but was neither on the loan nor title. So you we can easily do it that way or add the cousin to the title if desired. We are known as a purchase money lender by many realtors and other lenders. That means we are known for the fastest turn times and fewest problems a borrower will incur. If you would like to compare please do contact me via email or phone via my profile.