? for Finance Gurus: Does Seller Financing affect Debt/Incm ratio

[Justin Hennig]

Suppose I pay $200,000 for a building, put  25% or $50,000 down for a conventional transaction (Fanny/Freddie), then execute a seller carry-back for a $40,000 loan in 2nd position (thus only $10,000-15,000 out of pocket for the purchase including closing costs).

Premise is to use as much OPM as possible

How does this arrangement affect my personal Debt/Income ratio to qualify for future deals?

How would you modify this deal to affect D/I ratio less?

Thanks for your help!