Скачать или смотреть Should Physicians Really Put 20% Down on a Home? Learn The Hidden Trade-Offs

Physicians assume a 20% down payment is the gold standard for home buying—but is it really the best move? While it helps avoid PMI and lowers monthly payments, it also ties up cash that could be invested elsewhere. Today we’re breaking down the trade-offs of a large down payment. More equity in your home can mean stability, but it also means less liquidity for investing, emergencies, or career opportunities. We’ll guide you through key factors—interest rates, investment returns, and financial goals—so you can make a decision that builds wealth rather than just follows conventional wisdom.

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Key Insights 💡
• The 20% rule isn’t absolute.
• Physician mortgage loans waive PMI.
• High-interest rates make larger down payments more appealing.
• Liquidity matters—cash tied in a home isn’t easily accessible.
• Investing excess cash can outperform mortgage savings.
• Risk tolerance should guide down payment decisions.
• Home equity loans aren’t always a good backup plan.
• Age and debt mindset influence mortgage strategy.
• A “meet in the middle” approach can balance risk and opportunity.
• Smart planning beats blindly following conventional wisdom.


Highlights 🕒
0:00 Why we’re questioning the ‘20% down’ Standard
02:16 The physician mortgage loan advantage
03:03 Who should put more than 20% down?
06:52 The downsides of a large down payment
09:38 Alternative strategies you never thought about
10:56 The "meet in the middle" approach
12:35 Final thoughts


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Disclosures: This information is for general purposes only. This information is not intended to be a substitute for specific professional financial or tax advice, as individual circumstances vary. Please see a financial professional, CPA, and/or an attorney in regards to your own individual situation.