Reservations about using Hard Money

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I have a deal that would make a great BRRRR. $60,000 asking price, $90,000 rehab, $200,000 ARV. Cashflow positive $300 a month using the 50% rule financing 75% LTV when done. Obviously I'll dig deeper into the expenses, but at face value it looks pretty good.

I have $115,000 right now. So, I need an additional $35,000 to do this deal. I’ve never considered hard money before, but I like this property and it’s in an up and coming gentrifying neighborhood  that is seeing quite a bit of appreciation. 

I've always looked at hard money as too risky. If the refinance doesn't go as planned I've got to come up with $35,000 on the spot. I could use credit cards or get a personal loan of $35,000 but I'm worried about my DTI, and it effecting the refinance. Right now we have zero debt and extremely high credit. Both of us 800+. We save quite a bit of money as well $2,500 - $3,500 a month. But, our income actually isn't that high. $80,000 - $100,000 between the 2 of us.

My question is, how does hard money affect our DTI? Will it show on our credit report when we go to refinance?