If one owner has a higher ownership percentage than all other owners (e.g., the 51% owner in a 51/49 split or the 40% owner in a 40/20/20/20 split), only that majority owner’s FICO will be used to determine eligibility. If there is not a single owner with the highest ownership percentage, a weighted average of the relevant FICOs will be used to determine eligibility. In the second scenario, it is possible for one or more owners to have a FICO below the 660 threshold and still qualify, assuming the weighted average is still at 660 or above.