DSCR Loans in Utah — Qualify on the Rent, Not Your Tax Returns.
OneDSCR finances Utah rental property on the deal's cash flow — no personal tax returns, W-2s, or traditional DTI underwriting. Buy, refinance, or pull cash out from the Wasatch Front to St. George, and close in an LLC.
- Statewide coverage. Salt Lake City, Utah County, Ogden, St. George, and the resort corridors.
- Up to 80% LTV. On purchases and rate-and-term refinances, 75% cash-out.
- Built for high-growth, high-price markets. Loans up to $5M for premium metros.
- Close in an LLC. Finance the way you actually hold real estate.
Estimate only, based on principal, interest, taxes, insurance, and HOA. Final terms subject to underwriting.
How DSCR loans work for Utah investors
A DSCR (Debt Service Coverage Ratio) loan qualifies a Utah rental on the property's income versus its full monthly payment — not on your personal tax returns or employment. Divide the monthly rent by the total payment (principal, interest, taxes, insurance, and any HOA); a ratio of 1.0 means the rent exactly covers the payment, and higher ratios unlock better leverage and pricing. Utah's rapid population and job growth keeps rental demand strong, but the state's high price points and its residential-exemption rule — which changes the tax line depending on how the property is used — make careful underwriting essential.
Utah investor markets we finance
We lend statewide — here are the Utah markets investors ask about most.
What Utah investors should know about DSCR loans
Utah's property-tax rule for rentals is unusual — and it's the number one thing to get right up front. Three things shape how a deal underwrites.
The 45% residential exemption
Utah exempts 45% of the value of primary residential property. A long-term rental leased as a tenant's primary residence generally keeps it — but second homes and short-term rentals don't, so they're taxed on full value.
Short-term rentals are tightly zoned
Many Utah cities restrict or prohibit short-term rentals in residential zones; resort areas like Park City allow them only in specific districts. STR eligibility is address-specific.
Growth-driven rental demand
Utah is among the fastest-growing states, with Silicon Slopes tech, strong job creation, and universities anchoring durable, long-run demand for rentals.
Utah DSCR loan options
Purchase
Buy your next Utah rental on cash-flow underwriting — up to 80% LTV, no income docs, close in an LLC.
Analyze My PurchaseCash-Out Refinance
Turn equity in a Utah rental you own — up to 75% LTV — into capital for the next deal, with no income review.
Estimate My Cash OutRate & Term Refi
Move into better terms or a fixed 30-year without touching your equity or verifying personal income.
Check My SavingsUtah DSCR loan snapshot
Typical program parameters — final structure depends on credit, property, and the full file.
What makes a Utah deal different
The residential exemption can swing your taxes. Utah exempts 45% of value on primary residential property. A long-term rental leased as a tenant's primary residence generally keeps the exemption, but second homes and short-term rentals lose it and are taxed on full value — so the tax line depends on how you'll use the property.
No state real-estate transfer tax. Utah is one of the few states with no real-estate transfer tax, which keeps closing costs leaner than in many markets.
Short-term rentals are heavily zoned. Many cities limit STRs to specific districts, and resort areas like Park City regulate them closely — so confirm eligibility for the exact address before you buy.
Recently funded in Utah
- 1.12 DSCR at 78% LTV
- Closed in an LLC
- Funded in 21 days
- 70% LTV cash-out
- Stabilized single-family rental
- Funded a Silicon Slopes purchase
- 1.21 DSCR on a long-term rental
- Leased at closing
- Closed in an LLC
- Lowered rate on a 30-year fixed
- 1.28 DSCR at closing
- Funded in 19 days
- 1.16 DSCR on a duplex
- Both units leased to students
- Closed in an LLC
Ready to Move on Your Utah Deal?
Get a real DSCR read on your scenario — no credit pull, no income docs, no obligation.
View My Utah Loan OptionsUtah DSCR loan FAQ
Straightforward answers to the most common questions about financing Utah rentals with DSCR loans.
No. A DSCR loan qualifies on the property's rental income versus its payment, so there are no personal tax returns, W-2s, or debt-to-income requirements. You can also vest title in an LLC or in your own name. Your credit and reserves still matter, but the property's cash flow does the qualifying.
Utah exempts 45 percent of the value of primary residential property before applying the tax rate. A long-term rental leased as the tenant's primary residence generally keeps that exemption, but second homes and short-term rentals don't and are taxed on full value. Because the exemption can change your tax line materially, we underwrite the property based on your intended use.
No. Utah is one of a small number of states with no real-estate transfer tax, which helps keep closing costs leaner than in many markets. You'll still have standard recording fees and title costs, and we walk through the full estimate with you before closing.
Often, but it's zoning-dependent. Many Utah cities restrict or prohibit short-term rentals in residential zones, and resort areas like Park City and Summit County allow them only in specific districts. Confirm the local rules for the exact address before you buy, and check with us on how the income would be documented for underwriting.
Plan on roughly 20 to 25 percent down. Purchases and rate-and-term refinances go up to 80% LTV and cash-out refinances up to 75%, with the exact leverage tied to credit, DSCR, and property type. For Utah's higher-priced metros, loans run up to $5M.
DSCR loans for Utah rental investors
OneDSCR helps real estate investors finance rental properties throughout Utah using the property's rental income as the primary qualification metric. Whether you're buying a single-family rental in Salt Lake City, refinancing a townhome in St. George, or scaling a portfolio along the Wasatch Front, the loan is built around the property's cash flow rather than traditional employment income.
Ready to finance your next Utah rental?
Get a real DSCR read on your scenario — no credit pull, no income docs.
This is not an offer to lend or extend credit. All loan applications are subject to underwriting review, credit approval, and verification of information. Not all applicants will qualify. Loan terms, rates, LTVs, and availability are subject to change without notice and may vary based on creditworthiness, property type, market conditions, and jurisdiction. DSCR figures shown by the calculator are estimates only. OneDSCR originates loans for investment properties only.
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