What are DSCR loan rates in Utah?

As of November 2025, DSCR loan rates in Utah start in the mid-7% range for borrowers with 700+ credit and 25% down. Rates vary by LTV, DSCR ratio, and property type.

What's the minimum DSCR ratio to qualify in Utah?

Most Utah DSCR programs require a 1.0 ratio (rent ≥ PITI). FundNow offers programs down to 0.75 DSCR with compensating factors.

Can I get a DSCR loan in Utah as an out-of-state investor?

Yes. We routinely fund out-of-state and foreign-national investors buying rental properties in Utah. No state-of-residence requirement.

Does FundNow lend on short-term rentals in Utah?

Yes. We offer dedicated DSCR programs for Airbnb and VRBO properties in Utah, including projected STR income from AirDNA or similar data sources.

How fast can I close a DSCR loan in Utah?

Typical close time in Utah is 13–21 days from application, depending on appraisal and title turnaround.

Utah (UT)

DSCR Loans in Utah

Property-cash-flow mortgages for Utah real estate investors. No tax returns, 80% LTV, close in 13 days.

Get a UT DSCR Quote Run DSCR Calculator

Why DSCR Loans Work in Utah

Utah's household formation rate is among the highest in the nation, keeping new construction and rentals absorbing quickly.

Average Rent

$1,800/mo

Top Markets

Salt Lake City & Ogden for rentals; St. George & Park City for STR.

Close Time

13–21 days statewide

Utah DSCR Loan Program

Loan Amount
$100,000 – $5,000,000+
Max LTV
80% purchase · 80% cash-out refi
Minimum Credit
620 FICO
Minimum DSCR
1.0 (sub-1.0 with compensating factors)
Property Types
1–8 unit residential, condos, small multi-family, STR
Borrower Entity
Individual, LLC, LP, Trust
Income Documentation
None required
Rate Range
Mid-7% to low-9% (Nov 2025)

Cities We Fund in Utah

Salt Lake City

Provo

West Valley City

St. George

Ogden

Plus every other city, town, and county across Utah. Statewide coverage.

Related Resources

DSCR Loan Program Overview →

Full program details, rates, and how DSCR loans work.

DSCR Loan Requirements →

Credit, DSCR ratio, down payment, and documentation.

DSCR vs Conventional →

Compare DSCR to traditional investment mortgages.

DSCR Calculator →

See if your Utah property qualifies in 30 seconds.

DSCR Loans in Other States

Frequently Asked Questions

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