Can I use a doctor’s loan for an investment property?  Use physician’s loan for real estate investing.

Doctor’s are able to get “Physician’s loans” and there are a lot of things they can do with them, here’s what real estate investors need to know about how that money can be used for investing.

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Can I use a doctor’s loan for an investment property? Use physician’s loan for real estate investing.

Indy Anna explains:

  • Is it possible to use a physician’s loan for investing?

  • Can I have more than one physicain’s loan

  • Benefits to using a physician’s loan for financing an investment 

I was speaking with someone this week about using a doctor’s loan for an investment property, and wanted to make a little video to help answer the questions we covered that might help others in the same boat. 

To be clear on what a physician’s loan is;

  • A loan product for physician’’s that usually allows for less down than a conventional mortgage loan, and often with PMI (usually required for loans without 20% down {unless VA})

  • These are based in knowing there are usually student debt loans to pay off, but there is also a great deal of measurable reassurance in ‘potential income’ to come quickly out of residency 

  • In combination with higher potential salaries, having almost ‘guaranteed’ employment and overall being ‘higher quality’ borrowers’ it can make sense for financial institutions to offer these loan products as they do

Most physician’s loan products are for primary residences (SFR), however it’s not impossible to use some of them for certain types of investments (owner-occupied). This includes;

  • House hacking and being able to rent out rooms (could be either regular tenants or Airbnb type set up)

  • Duplexes 

  • 3-4 plex (fewer lenders here for these however)

Now here’s where I’ve found the varriences come into play, different lenders will lend for different properties at different terms (mostly max loan amount with zero down vs max loan amount with a % down). 

Now if you do move, and are no longer able to keep this first loan as it was originated (owner occupied/primary residence)- for some lenders it works just like the extension of owner occupied on terms on active military implying “official change of station orders” – if you, as a doctor need to move for your career you may be able to qualify for a second physician’s loan.  

One of the places too that we’ve found would offer some insight into the different physician’s loan products available was  and we’ll include the link in the description below.

 Most of the time these physician’s  loans (unless you’re really getting up there in terms of loan size ($800K+ on avg) can be originated with zero down, minimal down, and if less than 20% down – no PMI.  

Now what some might consider doing with these loans to gain access to as many ‘doors’ as possible before full salaries (let’s say the cumulative amount after 1-2 years has been accrued) would be; 

Using a physician’s loan to either acquire a duplex, have monthly rental income coming in each month, cash out refinance to pay off higher interest rate student loans (as much as possible in bulk with this ‘cheaper borrowed money’, then using income being generated to obtain further investment properties

That’s via cash – as you’re maximizing usage of first physician’s loan remember.

After two years (end of) having used generated income to pay off the remaining balance of loans- therefore being able to move from duplex, and have after two years of residency, no or minimal loans left, and three (to four or five ‘doors’, depending on what you bought with cash in second investment property). 

It may not work out for everyone like this, but at the end of two years, it could be possible to have up to five ‘doors’ in investments, then after paying off first physician’s loan, using it to finance your personal ‘dream home’ while using cash coming in to fund further investments, eventually acquiring a substantial portfolio in some cases.

So to recap;

-I’ve covered how to use a physics’ loan for investing

– We went over what you may and may not be able to buy with a physician’s loan

– AND I covered how you could have five ‘doors’, pay off student loans faster, and a plan for growing your REI portfolio

If you have any questions about this, or getting started on this with deals here in Indy (or anywhere for that matter!) please reach out and I’ll do what I can to help.

Love (at) and 317-969-5619 (Yes that’s my real number so please text me first).

And as always,

Make the universe SMILE =  )

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Make the Universe Smile.

~ Indy Anna
Love (at)
(YES that's my actual Direct Line and I really do answer lol, so please text me first Thx!)

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