Taking Physician loans with 0% down

[Trevor J Dammon]

I am looking at purchasing my first property, a duplex, to live in and rent for a few years. Eventually I will move into my own place and keep the duplex as a rental. I have the option to take physician loans which require as little as 0% down and will not charge PMI. I am trying to decide if putting 0% down is a good decision even if I am capable of putting 10-15% down. I know that the interest rate will be slightly higher so I need to do some math on loan rates and expected returns and compare cash-on-cash and a few other metrics.

In terms of scalability will I have trouble getting multiple loans with 0% down? If the driving factor of getting another loan is debt to income then it seems like it shouldn't matter if all my debt is in one property or if it is spread among many. 

So if my plan is to scale to 10+ units should I be looking to get loans with the smallest down payments as possible assuming the ROI is the same. Or is it better to put 10-20% down and leverage that equity when possible.

For reference the duplex prices range from 400k-700k and annual gross rent would be around 48k. Household income currently around 200k but in 3 years after residency will be closer to 350k.