You Just Signed Your First Attending Contract. Should You Buy a House, Rent, Buy Land, or Do Something Else?
The average new attending physician signs a mortgage for $600,000 to $900,000 within 90 days of finishing residency. Most make it on emotion, not math. Here is what the math actually says.
The average new attending physician signs a mortgage for $600,000 to $900,000 within 90 days of finishing residency. They do it because the paycheck finally arrived, because they have been renting since college, because their colleagues are buying, and because a physician mortgage lender told them they qualify for a $950,000 loan with zero down payment. Not one of those is a good reason to buy a home. The housing decision you make in the first 90 days of attending practice is the most consequential financial decision of your first year — and most physicians make it on emotion, not math.
You just finished residency. You signed your first contract. The attending paycheck is incoming. Everything in you wants to plant a flag — to own something after a decade of training apartments, call room cots, and month-to-month leases. That impulse is completely understandable. It is also the single most expensive emotional decision a new attending physician makes.
Here is what the math actually says — and it is more nuanced than either "rent is throwing money away" or "buy immediately because you can." The right answer depends on how long you will actually stay, what your local market looks like, what your student loan situation is, and which of the four options — buying, renting, buying land, or house hacking — fits your specific physician profile.
This guide walks through all four options with real calculations, physician-specific break-even analysis, the financial stack that should be in place before any home purchase, and the quick reference guide at the end that matches the right answer to your specific situation.
The One Question That Overrides Everything Else
Before any math, before any mortgage pre-approval, before any Zillow browsing: how long will you actually stay in this job?
This question matters more than your income. More than your student loan balance. More than mortgage rates. Here is why.
Buying a home and selling it involves transaction costs — realtor commissions, closing costs, transfer taxes, inspection fees, and moving expenses — that total 8 to 10 percent of the home's value on the round trip. On a $600,000 home:
- Buying closing costs: approximately $15,000 to $25,000
- Selling costs (realtor commissions + closing): approximately $36,000 to $42,000
- Total round-trip transaction cost: $51,000 to $67,000
To break even on a home purchase, the home must appreciate enough to cover these transaction costs — plus the opportunity cost of the down payment (even at $0 down, the $20,000 in closing costs invested instead would grow to approximately $29,000 in 5 years at 7 percent) — before you can consider buying financially worthwhile compared to renting.
The break-even timeline: In a market with 3 to 4 percent annual home appreciation, a $600,000 home needs approximately 3 to 5 years of ownership before the equity gained exceeds the transaction cost of selling. In a flat or declining market, that timeline extends to 5 to 7 years or longer.
Now here is the physician-specific data that changes this calculation: 58 percent of physicians leave their first job within 3 years. That figure — documented across physician workforce surveys — means more than half of all new attendings who buy a home in their first 90 days will sell it before reaching the standard break-even point. They pay $51,000 to $67,000 in transaction costs and may sell at a loss, all while navigating a new city, a new job, and a financial situation that would have been better served by 12 months of renting while they confirmed the job was a fit.
Most financial experts recommend staying at least three to five years to make buying financially worthwhile. Given that 58 percent of physicians leave before that threshold, the math does not favor buying immediately for the majority of new attendings — regardless of what the physician mortgage lender says you qualify for.
The Options: What Each One Actually Costs and Produces
Option 1: Buy Immediately
The case for: Mortgage payments build equity. Rent payments do not. You have finally found your city. The physician mortgage requires zero down. You are tired of moving.
The case against: Transaction costs are real and punishing. Buying immediately forecloses on the option to relocate for a better job, a subspecialty opportunity, a practice ownership position, or a personal life change — options that are most valuable and most frequently exercised in the first 3 years of attending practice.
The financial model — buying a $600,000 home at $0 down, 6.75% rate:
| Monthly Cost | Amount |
|---|---|
| Principal and interest (30-year) | $3,890 |
| Property tax (1.1% of value annually) | $550 |
| Homeowner's insurance | $175 |
| HOA (if applicable) | $350 |
| Maintenance reserve (1% annually) | $500 |
| Total true monthly housing cost | $5,465 |
The $3,890 mortgage payment that the lender quotes is not your housing cost. The $5,465 total is your housing cost. The $1,575 difference between the mortgage payment and the true housing cost is the amount that surprises most physicians in year one — and the amount most frequently excluded from the buy vs. rent comparison.
What happens if you sell in 2 years:
If the home appreciates 3 percent annually over 2 years:
- Sale price: $636,540
- Selling costs (6% commission + closing): ~$41,375
- Remaining mortgage balance: ~$584,000
- Equity at sale: $636,540 − $584,000 − $41,375 = $11,165
Against total closing costs paid at purchase of $20,000: a net loss of $8,835 despite the home appreciating — before counting the opportunity cost of the closing cost funds if invested instead. The physician who buys and sells in 2 years in a normal appreciation market loses money even in a rising market.
When buying immediately is right:
You have confirmed this job is permanent. Your specialty has limited available positions and you matched into the best one in your region. Your spouse's career is anchored to this city. You have family roots here and leaving would require extraordinary circumstances. You have done a thorough neighborhood analysis and found the right location. You have modeled the 5-year scenario and are confident you will be in this home at year 5.
If all of those conditions are true: buy. The physician mortgage makes the transaction accessible and the 5-year ownership period makes it financially sound. See our Complete Physician Mortgage Guide for the full mechanics, lender comparison, and documentation checklist.
Option 2: Rent for 12 Months, Then Decide
This is the right default for most new attending physicians, and it is the option most physician finance experts recommend but most physicians do not follow.
Renting for a defined period — 12 months specifically, not indefinitely — accomplishes several things simultaneously that buying immediately cannot:
It buys time to confirm the job. The most expensive home purchase a physician makes is the one they make before discovering the employer's culture is toxic, the non-compete geography eliminates all alternatives, or the clinical volume is dramatically different from what was described in the interview. Renting during the first year costs money. It costs less than selling a home at a $50,000 loss because the job turned out to be what you hoped it was not.
It buys time to understand the market. Every city has neighborhoods that look similar on Zillow and differ dramatically in daily life — commute patterns, school quality, walkability, proximity to the hospital vs. proximity to lifestyle amenities. A physician who has lived in a city for 12 months knows which neighborhoods are worth paying a premium for and which are priced for prestige without the corresponding lifestyle quality.
It preserves optionality. The subspecialty opportunity that opens up at the academic medical center across town. The private practice partnership track that becomes available at a competing group. The family circumstance that changes the geographic calculation. All of these options are available to the renting physician and foreclosed to the physician who bought a home with a 2-mile non-compete radius from their employer's main campus.
The financial model — renting for 12 months:
A physician renting a $2,800/month apartment in a mid-size market for 12 months pays $33,600 in rent during the year. During that same year:
- The $20,000 in closing costs they did not pay on a home purchase earns approximately $800 at 4 percent in a HYSA (see our High-Yield Savings Account guide for current rates)
- They accumulate 12 months of knowledge about whether the job, the city, and the neighborhood is the right long-term fit
- They maintain full geographic optionality for a better opportunity
After 12 months, if the answer is yes — the job is a fit, the city is right, the neighborhood has been identified — they buy with far more conviction and far more market knowledge than they had on day 1 of attending practice.
The psychological reframe: Rent is not throwing money away. Rent is paying for housing, flexibility, and optionality. The physician who rents a $2,800/month apartment and determines after 12 months that they are in the right city and job before buying has paid $33,600 for the most valuable year of information-gathering in their career. The physician who bought immediately and discovered the job was wrong paid $50,000 to $70,000 in transaction costs plus the emotional and logistical burden of selling and relocating. The renter paid less for more information.
Option 3: Rent Indefinitely and Invest the Difference
The most financially rigorous option — and the one that benefits most from the math being done correctly.
The standard argument against renting is that "rent is throwing money away." The standard counterargument is that "so is mortgage interest, property tax, maintenance, and PMI." Both are oversimplifications. The honest version requires actually comparing what renting versus owning costs in your specific market.
The rent vs. buy comparison for a specific scenario:
A physician in Raleigh, NC earning $380,000 comparing:
- Buying: $550,000 home, physician mortgage at 6.75%, 0% down
- Renting: Equivalent home in the same neighborhood for $2,400/month
| Monthly Cost | Buying | Renting |
|---|---|---|
| Mortgage / Rent payment | $3,567 | $2,400 |
| Property tax | $458 | $0 |
| Insurance | $150 | $30 (renters) |
| HOA | $200 | $0 |
| Maintenance (1% annually) | $458 | $0 |
| Total monthly housing cost | $4,833 | $2,430 |
| Monthly difference | $2,403 less |
The renting physician has $2,403 per month available that the buying physician does not. Invested at 7 percent real return over 5 years: approximately $175,000 in additional invested wealth from the monthly cost differential alone.
The buying physician, during the same 5 years, builds equity through mortgage principal paydown and appreciation. On a $550,000 home at 3 percent annual appreciation:
- 5-year appreciation: approximately $87,000
- 5-year principal paydown: approximately $29,000
- Total equity at year 5: approximately $116,000
- Less transaction costs to sell (9%): approximately $57,000
- Net financial benefit of buying vs. renting at year 5: approximately $59,000
The renter who invested the monthly difference accumulated approximately $175,000. The owner who captured appreciation and equity accumulated approximately $59,000 net of selling costs.
In this Raleigh market scenario, renting and investing the difference produces approximately $116,000 more in total wealth at the 5-year mark than buying.
That result surprises most physicians. It holds in markets where the rent-to-price ratio is tight — where comparable homes cost significantly more to own than to rent. It reverses in markets where home prices are low relative to rents — mid-size Midwest cities where owning a $200,000 home has a lower monthly cost than renting the equivalent.
The New York Times Rent vs. Buy Calculator is the most comprehensive free tool for running this comparison with your specific market numbers. Use it with your actual market data before making any housing decision.
When renting indefinitely makes financial sense:
You are in a high-cost-of-living market where purchase prices are dramatically higher than rental equivalents. You have significant investment runway for the difference. You value geographic flexibility above the psychological benefits of ownership. You have confirmed that your local market's rent-to-price ratio does not favor ownership in the current rate environment.
Option 4: Buy Land
The most overlooked option — and genuinely right for a specific physician profile.
Buying land is not a mainstream physician financial planning topic. It appears on almost no physician finance site. It is the right answer for a narrow but real population of new attendings and worth covering specifically.
Who should consider buying land:
You have matched into a position in a market where you are confident you will stay permanently. You are a rural family medicine physician at the only hospital within 100 miles, your spouse's family is embedded in the community, and you are not moving. You want to build a home rather than buy an existing one. You have a 12 to 36-month planning horizon before you want to be in the custom home.
The financial case for land:
Land purchase avoids several costs that home purchase entails:
- No property maintenance obligation
- No homeowner's insurance (substantially cheaper land insurance only)
- No immediate HOA fees in most rural land situations
- No PMI — raw land loans typically require 20 to 30 percent down but the purchase price is a fraction of a built home
A physician who buys rural land for $80,000 to $150,000 in their target permanent market, holds it for 18 to 24 months while completing the first year of attending practice and confirming the job is permanent, then proceeds with a construction loan and custom build has:
- Locked in the land at current pricing before construction demand drives costs higher
- Avoided the transaction costs of buying an existing home that they would then sell when they build
- Maintained flexibility during the first year of attending practice while securing their long-term site
The honest caveats on land:
Raw land loans require 20 to 30 percent down — conventional land financing is not as accessible as the physician mortgage for home purchases. Land in rural shortage markets does not appreciate the same way suburban residential real estate does. The construction loan process when you are ready to build adds complexity and cost. And land purchases in markets where you are not certain you will stay permanently are speculative — land is less liquid than a home and harder to sell quickly if circumstances change.
Land is the right answer for the rural physician who is certain of their permanent market, wants to build a custom home eventually, and values locking in the site before construction begins. It is the wrong answer for anyone with any uncertainty about long-term geographic permanence.
Option 5: House Hacking
The option most physicians never consider.
House hacking is purchasing a small multi-family property — a duplex, triplex, or quadruplex — living in one unit and renting the others. The rental income from tenants offsets or eliminates the physician's personal housing cost while building equity in a property that generates cash flow.
The house hack model for a physician:
A physician purchases a $450,000 duplex with a physician mortgage at 0 percent down in a mid-size market. They occupy one unit and rent the other at $1,600 per month.
| Monthly Cost | Amount |
|---|---|
| Mortgage payment (6.75%, $450K) | $2,919 |
| Property tax | $375 |
| Insurance | $200 |
| Maintenance | $375 |
| Total housing cost | $3,869 |
| Rental income from tenant | −$1,600 |
| Net physician housing cost | $2,269/month |
The physician's effective housing cost is $2,269 per month — potentially below what comparable rental apartments cost in the same market — while building equity in a property with a tenant helping pay the mortgage. When the physician eventually moves out and buys their long-term home, the duplex becomes a rental property that generates passive income and potentially qualifies for the real estate investor tax benefits covered in our Rental Real Estate for Physicians guide.
The physician mortgage eligibility question:
Most physician mortgage lenders will finance a duplex as a primary residence using the physician mortgage product — but the specific lender matters. Confirm with lenders on your comparison list whether their physician mortgage covers two-unit properties before assuming this option is available. Some lenders limit physician mortgage products to single-family residences and condos.
When house hacking makes sense:
You are in a market where duplexes and small multi-family properties exist in desirable locations at accessible price points. You are comfortable with the landlord responsibilities of managing one tenant while also starting your attending career. You want the lowest possible net housing cost while also building equity and beginning a rental portfolio. You plan to stay in the city for at least 3 to 5 years.
For the complete analysis of physician real estate investing strategies including how the passive activity loss rules affect physician landlords, see our Rental Real Estate for Physicians guide.
The Financial Stack That Must Come Before Any Home Purchase
Every physician finance guide agrees on one point: the home purchase decision should happen after the foundational financial priorities are in place — not before, and not simultaneously.
Before closing on any property, the following must be confirmed:
1. Disability insurance is active.
This is the single most important financial product a physician owns. A physician who closes on a $700,000 home and then becomes disabled without own-occupation disability insurance has a mortgage they cannot service and a home they cannot afford to keep. The disability insurance GSI window discussed in our Own-Occupation Disability Insurance guide closes at the end of training — buy it before you buy the house. See our Complete Physician Insurance Guide for the complete coverage framework.
2. Your student loan strategy is confirmed.
The home purchase and the student loan strategy interact directly through the DTI calculation. A physician who refinances federal loans to private before applying for a physician mortgage eliminates PSLF eligibility permanently — a mistake covered in detail in our Do Student Loans Affect Your Physician Mortgage guide. The sequence matters: confirm the loan strategy first, then approach the physician mortgage application.
3. Your retirement accounts are set up.
The first attending paycheck should trigger 401(k) or 403(b) enrollment at your employer. If you wait to set up retirement contributions until after the home purchase is settled, you lose the months of compound growth on the highest-income period of your career. See our New Attending 12-Month Financial Checklist for the complete first-year setup sequence.
4. An emergency fund is in place.
Home ownership creates expenses that renting does not — the water heater that fails on a Saturday night, the HVAC replacement in August, the roof repair after the first major storm. A 3 to 6-month emergency fund in a high-yield savings account provides the liquidity buffer that prevents a home maintenance emergency from derailing retirement contributions or generating high-interest debt.
The Total Cost of Homeownership
The Number Your Lender Will Not Calculate For You
The mortgage payment is the most visible housing cost and the least representative of true housing cost. Before committing to any purchase price, calculate the complete annual cost of the home you are considering:
| Annual Cost Category | Typical Amount (on $600K home) |
|---|---|
| Mortgage interest (year 1, 6.75% rate) | $40,027 |
| Principal paydown (year 1) | $6,653 |
| Property tax (varies by state — avg 1.07%) | $6,420 |
| Homeowner's insurance | $2,100 |
| HOA fees (if applicable) | $4,200 |
| Maintenance and repairs (1% of value) | $6,000 |
| Total annual cost of ownership | $65,400 |
| Monthly equivalent | $5,450 |
The $5,450 monthly total is your true housing cost — not the $3,890 mortgage payment. The difference of $1,560 per month is the amount most new attendings fail to budget for in their first year of homeownership.
The house-poor calculation: A physician earning $380,000 should allocate no more than 28 to 30 percent of gross income to housing costs. At $380,000 gross, 28 percent is $106,400 annually or $8,867 per month. A true monthly housing cost of $5,450 is 68 percent of that limit — acceptable. A $900,000 physician mortgage with a true monthly housing cost of $8,200 is 92 percent of the recommended limit — the physician is one unexpected expense away from financial stress that affects both their personal life and their clinical performance.
The right home price for a new attending is 2 to 2.5 times gross annual income. At $380,000 in income: a $760,000 to $950,000 home is technically within range, but the lower end of that range — $600,000 to $700,000 — produces monthly housing costs that leave room for retirement savings, student loan paydown, emergency reserves, and the experiences that make a physician's financial life sustainable. For the complete analysis of how home purchase size affects long-term physician wealth, see our Physician Net Worth by Age guide.
Market-by-Market: When Buying Beats Renting
The rent vs. buy decision is fundamentally local. The same income and the same home price in different markets produce different answers because property tax rates, rental market conditions, and price appreciation patterns vary dramatically across geographies.
Markets where buying typically makes more sense
(lower cost of living, reasonable price-to-rent ratios)
Midwest and mid-size Southern cities — Columbus, Indianapolis, Kansas City, Oklahoma City, Memphis, Charlotte, Raleigh, Nashville — where home prices in the $300,000 to $500,000 range produce mortgage payments that are competitive with or below local rental equivalents. In these markets, the rent-to-price ratio is favorable enough that the break-even timeline is shorter and the financial case for buying is stronger even at current mortgage rates.
Markets where renting typically makes more sense
(high cost of living, compressed price-to-rent ratios)
San Francisco, New York City, Boston, Seattle, Los Angeles, and similar high-cost metropolitan areas where starter homes begin at $800,000 to $1,200,000 and rental equivalents are often meaningfully cheaper on a monthly basis. In these markets, renting and investing the difference commonly produces better 5-year outcomes than buying — as the numbers above demonstrate for a similar dynamic in Raleigh.
The specific calculation to run for your market:
Use the New York Times Rent vs. Buy Calculator with:
- Your specific home purchase price target
- Your area's property tax rate (find this at your county assessor's website)
- Current physician mortgage rate (contact 3 to 5 lenders for actual rate quotes through our Physician Mortgage Lenders Review page)
- Comparable rental cost for the same neighborhood and home type
- Your realistic time horizon in the home
If the calculator returns that buying beats renting at your expected timeline: buy with confidence. If it returns that renting beats buying at your expected timeline: rent without guilt.
The 7 Most Expensive Housing Mistakes New Attendings Make
Mistake 1: Buying because you finally can.
The ability to qualify for a $950,000 physician mortgage is not a reason to borrow $950,000. The physician mortgage was designed to make homeownership accessible for physicians with thin savings histories — not to be used as a ceiling-reaching instrument on day one of attending income. Qualify for the maximum, buy at 2 to 2.5 times income.
Mistake 2: Not modeling the 3-year sell scenario.
Before closing, model what happens if you sell in 3 years. If the financial outcome of selling in 3 years involves a net loss of more than $30,000 to $40,000, the risk is not adequately priced into the purchase decision. Most physicians do not run this scenario and are genuinely surprised when it happens.
Mistake 3: Counting on appreciation.
Home prices have risen substantially in many markets over the past decade. That appreciation is not guaranteed, not reliable as an investment thesis, and not the right foundation for a home purchase decision. Buy a home because it serves your housing needs in a location you intend to stay. If it also appreciates: bonus. If it does not: you are not financially dependent on it doing so.
Mistake 4: Purchasing before the disability insurance is in place.
A physician who owns a $700,000 home with a $700,000 mortgage and no disability insurance has created a financial obligation that a single disability can make immediately unsustainable. The sequence is: disability insurance, then home. Every time.
Mistake 5: Refinancing student loans immediately before the mortgage application.
Covered in detail in our physician mortgage guide, but worth repeating: refinancing federal loans to private before closing permanently eliminates PSLF eligibility. The IBR payment already produces favorable DTI treatment under physician mortgage guidelines. Do not refinance to improve your mortgage application.
Mistake 6: Not getting pre-approved from multiple lenders simultaneously.
A 0.25 percent rate difference on a $700,000 mortgage is $43,750 in additional interest over 30 years. Shopping three to five physician mortgage lenders takes three hours. The return on those three hours is among the highest available in physician financial planning. Start with our Physician Mortgage Review page for lender comparisons.
Mistake 7: Skipping the home inspection.
No physician mortgage lender requires a home inspection. Some sellers in competitive markets pressure buyers to waive it. Do not waive it. A $500 home inspection on a $600,000 home that identifies $40,000 in deferred maintenance or structural issues is the highest-return professional fee available. Attend the inspection personally if at all possible — the inspector's live commentary is more valuable than the written report.
Quick Reference: The Right Decision by Profile
Midwest/South, Certain of City
Buy
Using a physician mortgage — the rent-to-price ratio in most mid-size markets favors ownership at a 5-year horizon, and your confidence about permanence reduces early-sale risk.
New City, Uncertain Job
Rent for 12 months
Sign a 12-month lease, learn the city, confirm the job is right, identify the neighborhood, and then buy with much better information.
SF, NY, Boston, LA
Rent
The rent-to-price ratio in these markets almost universally favors renting over buying on a 5-year horizon. Invest the monthly cost difference.
Rural, Shortage Market
Buy land
Secure your permanent site at current land prices, hold it during your first year to confirm the job, then build when ready.
Wants Lowest Net Cost
House hack
Buy a duplex or small multi-family, live in one unit, rent the other. The tenant's rent offsets your housing cost.
Pursuing PSLF
Rent for year one
Confirm your PSLF qualifying payments are running correctly on IBR before adding a housing obligation.
Frequently Asked Questions
Should I buy a house right after residency?
It depends on three things: how certain you are about staying in your current market for at least 3 to 5 years, what the local rent-to-price ratio looks like for comparable properties, and whether your financial foundation — disability insurance, student loan strategy, retirement account setup — is in place before adding a mortgage obligation. For physicians who are certain about their market and have modeled the numbers, buying immediately can be financially sound. For the 58 percent of physicians who leave their first job within 3 years, renting for a defined period provides an insurance policy against costly early transaction costs.
Is a physician mortgage worth it even with current 6.75% rates?
Yes — for physicians who decide to buy, the physician mortgage is the right product regardless of rate environment. The rate you pay is determined by the market. The physician mortgage's value is structural: zero down payment requirement, no PMI, student loans treated at IBR payment rather than 1 percent of balance in DTI calculations, and closing up to 90 days before your employment start date. These structural advantages exist regardless of whether rates are 4 percent or 7 percent. See our Complete Physician Mortgage Guide for the full product analysis.
What is the maximum home I should buy on a $380,000 attending salary?
The physician financial planning consensus is 2 to 2.5 times gross annual income — $760,000 to $950,000 at $380,000 in income. However, the practical constraint is the total monthly housing cost (mortgage + property tax + insurance + maintenance) not exceeding 28 to 30 percent of gross monthly income. At $380,000 annually, 28 percent is $8,867 per month. A $700,000 home at 6.75 percent with typical additional housing costs produces a total monthly obligation of approximately $6,300 — comfortably within range. A $900,000 home produces approximately $8,100 monthly — at the limit. The $900,000 home leaves almost no margin for unexpected expenses.
I am not sure I will stay in this city. What should I do?
Rent for 12 months. The physician mortgage will still be available in 12 months. The housing market will still be there. The financial cost of renting for one year while you confirm your job and city is dramatically lower than the transaction cost of buying and selling within 2 to 3 years if you discover the situation is not right. No physician has ever regretted renting for one year to gather information. Many have regretted buying too quickly.
Does renting really mean throwing money away?
No. Rent pays for housing, the same way a mortgage payment pays for housing. The portion of a mortgage payment that goes toward interest — particularly in the early years of a 30-year mortgage — does not build equity either. In year one of a $700,000 mortgage at 6.75 percent, approximately $46,000 of the $46,680 annual mortgage payment goes to interest. $680 goes to principal. The "rent is throwing money away" argument ignores that mortgage interest, property tax, insurance, maintenance, and HOA fees are also expenses that build no equity. The financial comparison between renting and buying must account for all housing costs on both sides — not just the rent payment versus the mortgage payment.
Use our Physician Mortgage Calculator to model the complete monthly cost of any home purchase at your specific purchase price, rate, and market.
For the complete physician mortgage lender comparison including current rates and reader ratings, see our Physician Mortgage Lenders Review page.
For the complete financial foundation that should be in place before any home purchase, see our New Attending Physician 12-Month Financial Checklist.
Related reading: The Complete Physician Mortgage Guide (2026) · Do Student Loans Affect Your Physician Mortgage? · Physician Net Worth by Age (2026): 1 in 4 Doctors Retire Without $1 Million · Rental Real Estate for Physicians: The Tax Rules That Change Everything · The Complete Physician Insurance Guide (2026)
Disclaimer: This article is for educational purposes only and does not constitute financial, legal, or mortgage advice. Housing market conditions, mortgage rates, property tax rates, and rent-to-price ratios vary significantly by geographic market and change frequently. The financial models presented are illustrative calculations based on specific assumptions that may not reflect your local market conditions. Always consult a fee-only financial advisor and a qualified mortgage lender before making any home purchase decision. MedMoneyGuide earns commissions from some mortgage lenders featured on this site. This does not influence our editorial content.