Anyway, question is as stated - does your hard money loan count negatively towards your DTI ratio?  

Remember, advice you get on the internet will not count if IRS determines that you commuted prohibited transaction, but attorney's advice you can rely on. 

(not counting the other wholesale deals I have made hooking up with a buyer from BP!

A question as conversation and benign as “how many kids do you have” counts!  

Second, I can literally count the number of "friends" who visit me at my home on my fingers.

What type of property insurance can I count on?

I'd rather acquire 20 units over a 4 year period with EACH unit at the 2%/4% rule in a C area then trying to simply accumulate a "door count" for bragging rights. 

As stated in my response to the tenant (counting the labor) she is only being charged for about 1/3 of the overall rehab.  

Does FHA loan get counted in the four loan limit that many banks has?

Somehow, in his smooth rat brain, he thought that was the secret to making money in real estate -- getting other people to do anything that looks like really hard work with uncertain outcomes for you.It all put me in mind of a well-known passage from one of Theodore Roosevelt's speeches:"It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better.