How is a HELOC factored into DTI for future mortgages?

[Andre Chouinard]

I am pursuing a HELOC of $65,000 on my owner-occupied duplex and was wondering how this will affect my DTI ratio when applying for future mortgages.

For normal consumer credit cards, the lender adds up the minimum payments and adds it to the debt portion of the DTI ratio. For my pending HELOC, what amount will future lenders include in their calculation of my DTI when applying for mortgages on different properties?

For example, if I have a zero balance on the HELOC, how do they estimate my payments and factor that into the ratio? If I do have a balance, will they use my current interest payments as my debt obligation or will they pretend the interest rate is maxed out?

Any (detailed) information that people have to clear this up for me would be appreciated, thank you for your time.