You are being told no by people reading the wrong rulebook.
Physician loan programs finance up to 100% of a primary residence with no mortgage insurance at any loan-to-value, and they let a qualifying borrower use future income from a fully executed employment contract instead of pay history. The designation list is wider than "doctor" and the rules that actually decide a file are narrower than the marketing.
Three things almost nobody tells you first.
There is a minimum loan-to-value of 90.01%, so a large down payment makes you ineligible rather than preferred. The student loan exclusion applies only during residency or clinical fellowship training, not afterwards. And moving from 100% to 95% financing raises the debt-to-income ceiling by five points, which for most attendings buys more house than the down payment costs.
Everything below is sourced.
Each article cites the guideline document and revision date behind every figure. Program terms change without notice, so confirm current eligibility on your own file before you plan around any of it.