You are required to disclose that debt, and it will be a fairly easy catch for an underwriter, even if it's not on your credit report. 

More importantly, get the high interest rate debt paid off first.

In addition to down payment you need reserves which is 12 times or 24 multiplied by all you debt.

And after observing @Benjamin Aaker in action I love how he manages his debt. 

The key is to understand the capital stack, who is in line in front of you and what are their terms.The people who are getting burned may have known there was debt in front of them, but did they know it was short term or variable - did they know all the details to make a good judgment on the investment.If a property had 20 year fixed debt at 70% would you take that over 3 year debt on a variable rate at 50%? 

What’s even better is that I haven’t touched these profit.s Instead, I’ve reinvested it back into the business, paid off business debts, and focused on scaling further.

That said, there are some things to consider....The reason the other people on this thread were talking about a lease is because of your debt to income ratio.

By temporarily halting distributions, we can preserve capital, manage our resources more effectively, and invest in key areas that will drive future growth and profitability.In the interim, we are taking strategic steps to strengthen our financial health, including cost-reduction measures, revenue-generating initiatives, and debt restructuring options.

Some sleep better at night with zero debt, while others love to use leverage and are willing to take on more risk.Community banks right now will go with 80% LTV.

Consolidate all of your debt if you can.