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Evan, I don't know if a PhD qualifies for a "physician loan," but you might try this.

http://whitecoatinvestor.com/personal-finance/the-doctor-mor...

My son and future DIL just bought a house with a physician loan without having to produce at least one paycheck stub, but on her residency contract alone.

Note: some of the discussion about rates and fees for such a loan is no longer valid as rates have improved recently. My son/DIL got 2.625 at par (no points to the lender; no rebate from the lender) for a 5/1 ARM.
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