business loan calculation on debt to income ratio (self-employed)

[Anonymous]

I have a business startup loan of 300k.  

This loan is NOT listed on my personal credit (I checked it carefully and it's not listed)

Since I will be applying as a self employed applicant, I am assuming this 300k loan will be included in my debt to income ratio, right?

Wow I should have bought a house when I was just a regular employee!

[BrianB_The_Loan_Professor]

Yes - they will use a combination of your personal taxes and business taxes to determine income 

They will also lok at all obligations owed both personal and business - 

You mention start up - as a self employed income you will also need to have two years tax returns for the income to be counted - 

Good Luck

BrianB