<prompt> Human: Time for a new car. Ive always been a long-term purchase-only kind of car owner; leases never appealed to me. However Im wondering if a lease has less impact on ones FICO score andor debt-to-income ratio, than a loan for the full or near full amount of the car.Leases are confusing!Reason: we may also need to buy a house in the next 6 months to a year, and want to be able to get the best mortgage ifwhen that happens. I know the advice is always to buy the car or whatever AFTER the mortgage closes. But the house is a maybe and the car is a definite.I just want to figure out how to get a new car with the least impact on my credit and debt-to-income ratio.With a loan its pretty simple: put down as much as possible so the loan is smaller, right? Or is your credit impacted based on the full value of the car? Not sure how this works for a lease, or if credit agencies score your credit differently for leases vs. loans. Also for debt-to-income ratio, whats the debt when youre only going to pay for the car for say 2-3 years?EDIT: forget this part, it apparently is distracting: Id purchase the car outright, but we want a pretty expensive car and I dont want to sink that much cash into something that depreciates so quickly right away, plus the car loan incentives are pretty low right now 0-2; cheap money.Help straighten me out please? :D EDIT2: Im asking for information on how loans, leases, credit scores work, not for advice on what to do. If I cant decide what to do once I have the information, then Ill ask for advice on what to do. Am I in the wrong subreddit?Thanks...  <response>: How to buy a car with the least impact on your DTI; purchase it outright. A lease or a loan will impact your DTI, and if youre set on buying an expensive car, wait until your home has been purchased. 