Consumer mindset
- × Treat the Doctor Loan as a one-time home buy
- × Ignore DTI timing early in your career
- × Buy lifestyle properties that won’t rent
- × Drain cash on conventional down payments
0% down education for physicians
Dr. Loan Guide · ~24 pages
Physician loans aren’t just for a house. They’re a wealth tool.
Most doctors use a Doctor Loan once, then leave leverage on the table. This guide is a tactical blueprint for 0% down / no PMI framing, DTI timing, IBR, rentability rules, and a repeatable 3 to 5 property protocol from Dr. Diego Kriger, MD.
The problem
High income. Conventional advice. Delayed ownership.
You’re finally earning attending income. You’re taxed heavily, short on time, and somehow still asset-poor. Waiting to “save 20%” isn’t a strategy. Patience without a plan is a delay.
Investor mindset
- ✓ Use physician credit to preserve liquidity
- ✓ Apply when DTI is leanest
- ✓ Filter for rentability first
- ✓ Repeat a 3 to 5 property protocol
Curriculum
What’s inside the guide
Execution-focused chapters drawn from the real ~24-page playbook. It is not a glossary of interest rates.
01
Doctor Loans as leverage
Why a Doctor Loan isn’t just a house product. Learn how 0% down / no PMI preserves capital for the next move.
02
Strategic debt vs unproductive debt
Inflation-favored, asset-backed borrowing. Waiting can be riskier than using physician credit early.
03
DTI timing & IBR
Why you’re often more qualified earlier in your career, how IBR is treated by physician lenders, and the DTI formula that matters.
04
“Perfect” property / rentability rules
The filter: if you moved out tomorrow, would it cash-flow as a rental? Boring listings that perform beat lifestyle traps.
05
The 3 to 5 property protocol
A repeatable sequence for stacking acquisitions under Doctor Loan constraints, including occupancy, conversion, and recycling access.
06
Mistakes that kill wealth early
The real errors physicians make before the portfolio ever starts. This helps you avoid paying tuition the expensive way.
Fit
Who it’s for
Ideal reader
MD/DO (and similar credentialed clinicians) in early to mid attending years who want tactical physician-loan education, not another generic mortgage explainer.
Pair with
Lender Roster for who underwrites, and the Tax Blueprint for ownership × depreciation education once you acquire.
$250 digital product
Get the Dr. Loan Guide
Checkout and delivery on Stan. Built by Dr. Diego Kriger, MD, a physician and real estate investor.
Purchase on StanFAQ
Straight answers
No. Terms depend on lender, credit, income documentation, and property type. The guide teaches how physician loan products work. It does not guarantee approval or a specific down-payment percentage.
No. It is educational material. Confirm programs and eligibility with licensed lenders and your advisors.
The Dr. Loan Guide is strategy and protocol. The Lender Roster is directory intel (who underwrites). Many physicians buy both.
All products checkout at v2.stan.store/KrigerMD.
Disclaimer. Educational only. Not a loan offer, tax advice, legal advice, or guarantee of returns, approvals, or specific terms. Physician loan products vary. Consult licensed lenders, CPAs, and legal professionals for your situation.