Design a user view with an annual salary field and a data relationship for cosigner information. Use a visibility condition to display the cosigner information when the salary is below the threshold.

Use a collect information step with an annual salary field. Use a decision shape to determine whether to advance to a step to enter cosigner information or complete the process.

Design a user view with an annual salary field. Create an optional action to collect information about the cosigner and assign the action to the appropriate stage.

Create an assignment step for a loan officer to review the applicant's annual salary and determine if a cosigner is necessary.