Mortgages & Real Estate
for Physicians
Physician mortgage lenders compared on published terms, doctor loans vs. conventional, renting vs. buying, and real estate taxes.
A home is often the largest purchase in the first years after training, and physicians have access to a loan most borrowers don’t: the physician mortgage. Whether it beats a conventional loan depends on your down payment, your timeline, and the lender’s actual terms.
These guides compare physician mortgage programs on their published terms, explain when a conventional loan is the better deal and how student loans are counted when you apply, and cover investing in rental property and the tax rules that come with it.
Start here
- 1The Complete Physician Mortgage GuideHow physician loans work and how lenders compare.
- 2Physician Mortgage vs. Conventional LoanWhen putting more down on a conventional loan costs less.
- 3Do Student Loans Affect Your Physician Mortgage?How lenders count your loan payments when you apply.
- 4Rent, Buy, or Something Else After TrainingThe first-attending-contract housing decision, worked through.
- 5Should Residents Buy or Rent?The math for a three- to seven-year stay.
- 6Real Estate Investing for PhysiciansRental property as an investment, with the time it really takes.
- 7Rental Real Estate Tax RulesDepreciation, passive losses, and what applies to high earners.
Run your own numbers
All real estate & mortgages guides
Bank of America Practice Solutions Review (2026)
What Bank of America publishes about its practice loans, what it leaves to a quote, collateral and guarantee rules, a $500,000 worked example, and how it compares with TD, U.S. Bank, PNC, and SBA 7(a).
Physician Mortgage Lenders in Iowa (2026): Who Lends, What They Publish
Truist, BMO, Flagstar, Regions, Old National, Hills Bank and Dupaco publish physician loans that reach Iowa. Their terms, plus Iowa Title Guaranty, the 2026 homestead exemption, FirstHome for residents, and radon.
Does SoFi Offer a Physician Mortgage?
No, by SoFi’s own statement. What its 3%–5% down mortgage is, how it compares to a 0%-down doctor loan, what SoFi does offer residents, and the seven lenders that publish a physician program.
Bank of America Doctor Loan Review (2026)
3% down to $850K and 5% to $1M, with medical students, optometrists and veterinarians eligible. No 0% tier, 4–6 months of reserves, and a BofA account required.
Flagstar Physician Loan Review (2026)
0% down to $1M with no PMI and no excluded state, and the widest profession list we’ve reviewed: NPs, PAs, CRNAs, pharmacists and optometrists included. The catch: adjustable-rate only, and a $1.5M ceiling.
BMO Physician Mortgage Review (2026)
0% down to $1M with no PMI, fixed or ARM, in every state but New York. Plus the 5- and 10-year rules and the eight states where BMO caps the loan at 95%.
Truist Doctor Loan Review (2026)
0% down to $1M, 5% to $1.5M, 10% to $2M, no PMI, deferred student loans excluded from DTI in writing, and a published rate discount for Truist balances. Plus the 10- and 15-year rules.
KeyBank Physician Loan Review (2026)
Loans to $3.5M, no PMI, fixed or variable, cash-out refinance, and the broadest eligibility list in the market. What KeyBank publishes, the tiers it doesn’t, and where Laurel Road went.
TD Bank Physician Loan Review (2026)
0% down to $1M, 5% to $1.5M, 10% to $2M, fixed or ARM, no PMI. The checking-account and 10-years-out rules, the 15 states and DC it covers, and what TD doesn’t publish.
Huntington Physician Loan Review (2026)
0% down to $1M, 5% to $1.75M, no PMI, 50% DTI, close 90 days before you start. Terms verified on Huntington’s site, plus what the program pages leave out.
Rental Real Estate for Physicians: The Tax Rules That Change Everything (2026)
Understand the tax framework for physician real estate investors, including Passive Activity Loss (PAL) rules, Real Estate Professional Status (REPS), the STR loophole, and cost segregation.
Do Student Loans Affect Your Physician Mortgage? Less Than You Think (2026)
The complete guide to how student loans affect physician mortgage qualification. Learn the actual DTI math for deferred loans, IBR, and RAP.
How to Buy a Home as a Physician: The Complete Step-by-Step Guide (2026)
The definitive 2026 guide to buying a home as a physician, covering doctor mortgages, DTI calculations, contract verification, and negotiation strategy.
Physician Mortgage Lenders in Texas (2026)
Eight physician mortgage programs that lend in Texas, with each lender’s published down payment and loan limits, plus property taxes and the 80% cash-out rule.
Physician Mortgage Lenders in Florida (2026)
Eight physician mortgage programs that lend in Florida, with each lender’s published down payment and loan limits, plus the condo and insurance issues that sink FL deals.
Real Estate Investing for Physicians: The Complete 2026 Guide
A comprehensive guide to real estate investing for physicians in 2026, covering syndications, REITs, direct ownership, short-term rentals, and the truth about passive loss rules.
Physician Mortgage vs. Conventional Loan: Which Is Actually Better? (2026)
Side-by-side comparison of physician mortgages and conventional loans. Run the actual numbers to see which option wins for your situation.
Do Residents Qualify for a Physician Mortgage? (2026)
Complete guide to physician mortgages for residents. How income, student loans, and timing requirements work during medical training.
Physician Practice Loans 2026
How practice loans work: what they finance, how lenders size them, SBA vs conventional, and what to ask before you sign.
The Complete Physician Mortgage Guide (2026)
0% Down, No PMI — Complete Guide by State.
Doctor Loan vs. Physician Mortgage: Is There a Difference? (2026)
A doctor loan and a physician mortgage are the same product. Learn what they do, why lenders use different names, and how to find the right one.