I suppose my concern stems more specifically on:
Would the 10k be considered “debt” in the debt/income ratio calculation?
My FICO is around 800 and total usable credit probably 20% so maybe 50k in credit available.
I just didn’t want to shop for a loan and be rejected since they see 10k on a credit card in my report for that month and that’d be way off the 26/38 debt/income ratios.
