I think I like what you are saying here but need some help with that last paragraph. And I can pledge 20k and move up in rankings but only pay it out over ten years? But still get the points now? I've been doing this wrong.
I doubt it. Not sure what to the commitment process looks like for a medium size donations. Massive donations you can but that wouldn't give you the boost you get in the first year of donating.
For capital endowments you get points per $100 spent. So $1000 is 30 points, so $19000 would be 570 points that year. This is enough to jump worst possible ranking to 1125 or so.
One way to spread out the cost is put it on the Citi simplicity card, zero Apr for 21 months no annual fee. So cut all donations and extras that year and the next 2 years. Pay $750 a month for 21 months. Lump payoff of 3k or so and done. You can probably pay a small transfer fee and extend the payoff to a total of 39 months if u really needed to.