DSCR Loans in Utah
Utah's booming Silicon Slopes tech corridor, youngest population in America, and low property taxes create appreciation-focused DSCR opportunities.
MARKET OVERVIEW
Utah DSCR Loan Market
Utah has been one of the fastest-growing states, driven by the Silicon Slopes tech corridor stretching from Salt Lake City through Provo. Major tech employers (Adobe, Qualtrics, Pluralsight) and a young population (youngest median age in America) create strong rental demand. Utah's property tax rate of 0.58% is among the lowest in the nation, which helps DSCR ratios. However, property values have appreciated significantly, compressing cash flow. Salt Lake City and Provo are appreciation plays, while Ogden offers better cash-flow metrics. The STR DSCR program is popular for Park City and Moab properties. Utah is landlord-friendly with fast eviction processes.
Top Investor Cities
- Salt Lake City
- Provo
- Ogden
Monthly tax on $505,000 property: $244/mo
PROGRAMS AVAILABLE IN UTAH
8 DSCR Loan Programs for Utah Investors
Standard DSCR
The most popular option. 20% down, 660+ credit.
No-Ratio DSCR
No minimum DSCR required. 30% down.
Interest-Only DSCR
Lower monthly payments for better cash flow.
STR DSCR
Use projected Airbnb/VRBO income to qualify.
Foreign National DSCR
No SSN or US credit history required.
Bank Statement DSCR
Hybrid qualification for self-employed investors.
Portfolio DSCR
Finance multiple properties under one loan.
Bridge-to-DSCR
Purchase, rehab, then refinance into DSCR.
REQUIREMENTS
DSCR Loan Requirements in Utah
Licensing & Regulatory
Loans in Utah are originated by [Broker B], NMLS# [XXXXXX], licensed in Utah.
All lending decisions and terms are determined solely by the matched broker and their wholesale lending partners.
Common Property Types
- Single-Family Rentals
- Condos/Townhomes
- Short-Term Rentals
Down Payment & LTV
- Standard DSCR: 20% minimum down (80% LTV)
- No-Ratio DSCR: 30% minimum down (70% LTV)
- 30%+ down unlocks No-Ratio DSCR programs and broader lender access
Appraisal & Rent Schedule
- Form 1007 rent schedule required with appraisal
- Appraisal estimates market rent for DSCR calculation
- STR properties: AirDNA projected income accepted
DEAL EXAMPLE
Sample DSCR Deal in Ogden, Utah
Single-Family Rental
Ogden, Utah
Monthly Breakdown
This borrower closed in 25 days with no income verification, no tax returns, and no employment check.
Results may vary. This is a representative example, not a guarantee of future performance.
This deal example is for illustrative purposes only and is based on representative scenarios across our broker network. Actual loan terms, approval, and closing depend on your full credit profile, property details, appraisal, and the matched lender's specific guidelines. This is not a loan offer or commitment to lend.
FREQUENTLY ASKED
DSCR Loan Questions for Utah Investors
DSCR loans in Utah require a minimum 660 credit score, 20% minimum down payment, and non-owner-occupied status. No income docs or tax returns needed. Given Utah's higher prices and tighter DSCR ratios, the No-Ratio program (30% down, 680+ credit) is popular.
Rates start from 5.99% for 740+ FICO with 35%+ down. Most Utah investors see rates between 6.50% and 7.50%. Utah's growth trajectory makes lenders comfortable.
Yes. Park City is Utah's premier STR market with ski season and Sundance Film Festival demand. Moab attracts adventure tourism. St. George serves as a winter golf/hiking destination. Our STR DSCR program uses projected income to qualify.
Utah has one of the lowest effective property tax rates at approximately 0.58%. On a $385,000 property, that's only $186/month. This low rate is one of Utah's biggest advantages for DSCR investors and helps partially offset the higher home prices.
Yes. DSCR loans have no owner-occupancy requirement. Utah attracts investment from California, Nevada, and other neighboring states. Property management is available in all major Utah markets.
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Match Me With a SpecialistLoans in Utah are originated by [Broker B], NMLS# [XXXXXX], licensed in Utah. is not affiliated with DSCRBroker.com except as a participating broker in our matching network. All lending decisions and terms are determined solely by the matched broker and their wholesale lending partners.