My question is, do they really impact your debt to limit ratio? I thought that only involved revolving debt? If it does impact, that must suck because if you have a mortgage (which in essence is a very large installment loan) and you don't make a large downpayment, your d-to-l ratio will suck...even if that's the only thing you have. And at the same time....remember back when someone posted about going to the bank and getting a secured loan. That's an installment loan and you're supposed to do that 3 times? Someone please enlighten me.