Estimate your debt-to-income ratio the way physician mortgage lenders actually calculate it — with student loan flexibility built in.
Fill in your numbers on the left to see your estimated DTI and what it means for physician loan qualification.
Disclaimer: This calculator is for educational purposes only and does not represent an actual loan qualification assessment. DTI thresholds, student loan treatment, and program eligibility vary by lender. Physician mortgage programs typically allow DTIs up to 43–50%. Consult a licensed mortgage professional for guidance specific to your situation. MedPharmaConnect is not a lender or mortgage broker.