Impact of discharged debt (paying but not reaffirmed on DTI )

[Todd Harvey]

In general, How is DTI measured in relation to discharged debts still being paid but not reaffirmed?

Details:

4 years post chapter 7 bankruptcy, how is discharged loan debt that the home owner is still paying looked at in looking at DTI in looking at refinancing?

presume 5 properties that have significant equity and cashflow, but the debts were not reaffirmed in bankruptcy, but they have been paid regularly and are doing great now. 

The main property is now worth 1.2M, with about 400k in discharged debt being paid monthly. 4 plex, owner occupied.

The other 4 properties combined have 700k value with 500k in debt.

Does one need to show the other discharged debts when applying for fha or conventional refinance of the main property?

The properties cashflow well.

4 properties  ( not being refinanced  ) also have discharged debt that was not reaffirmed but is still being paid.

If those loans are included in the debt when measuring DTI, then the DTI is over 50 percent.

Does discharged debt mean I can pay it but do not have to share it with banks while applying for loans because it is discharged?  (Even if owner is choosing to pay discharged debt because it makes sense)?