Life Insurance Loan affecting DTI

[Chris Fritz-Grice]

Hey everyone! 

Just bought my first property in May and looking to get into the next one soon and my question is: If I have my money in a Whole Life insurance policy and borrow against that for a down payment would that loan go against my overall DTI, in other words hurt chances of securing bank financing?

The concept of borrowing against your own Cash Value seems like borrowing from yourself so just curious how a mortgage lender would view these funds compared to say taking your downpayment from a traditional savings account. 

Thank you in advance!

P.S. I don’t yet have an insurance policy but after reading and watching a lot of content on the subject I just need clarification because it seems like having your money grow in multiple places is the way to go!