Will a hard money loan affect your debt to income ratio?

[Amy Parra]

I plan to use a HELOC to buy my first property with cash in order to BRRRR. I'm wondering if this will affect my ability to refinance the property since it will give me a higher debt to income ratio.

If I use hard money to buy a property will banks 'see' that and count it toward my DTI ratio?

Thanks for your input!