Six-figure student debt doesn't disqualify most physicians from practice ownership. Here's how lenders weigh cash flow after overhead, debt service coverage and your own production, and how to calculate each before you negotiate price.
|Articles|April 9, 2010
Q&A: Renting versus owning a place to live
Whether you should rent or buy a place to live while you're a resident or on short-term assignment depends on the length of the position and whether you have long-term plans to stay in the area when it's finished.
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A: Whether you should rent or buy a place to live while you're a resident or on a short-term assignment depends on the length of the position and whether you have long-term plans to remain in the area when it's finished. Gone are the days when you could buy a house in your first year of residency and sell it two years later and make money. With all the costs of buying a house, sometimes it's better just to simply rent. You want to avoid buying a house while in residency or on a short-term assignment and then moving to a new location for a new position and being stuck with two mortgages. If your assignment is going to last four or more years, however, then you may wish to consider buying.
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