DSCR Loans in Utah: Compare 9 Lenders Instantly

Utah has experienced rapid population and economic growth, making it an increasingly popular DSCR investment market. Salt Lake City, Provo-Orem, and St. George anchor the investment landscape. Property taxes are low at 0.53% and insurance costs are reasonable at 0.60%, creating a favorable PITIA structure. However, Utah's strong price appreciation has compressed DSCR ratios compared to a few years ago.

The Salt Lake City metro benefits from a young, educated workforce and a diverse economy spanning technology (Silicon Slopes), healthcare, outdoor recreation, and financial services. Provo-Orem has BYU-driven demand and a thriving tech corridor. St. George's warm climate attracts retirees and remote workers from California, creating strong rental demand in the state's southwestern corner.

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Lender Availability

9 lenders offer DSCR loans in Utah

ACAcra LendingAOAngel OakCVCoreVestDHDeephavenESEasy StreetGFGriffin FundingLSLendSureLOLima OneNWNewfi Wholesale

Utah Property Costs

Property Tax Rate0.53%
Insurance Rate0.60%

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UT
25%LTV 75%
15%50%
Interest Only
Short-Term Rental

Frequently Asked Questions

How does Utah price appreciation affect DSCR qualification?
Utah's rapid home price appreciation has made DSCR qualification more challenging in the Salt Lake City and Provo markets. Properties that would have easily met a 1.25 DSCR ratio three years ago may now be closer to 1.0. Investors should focus on properties in emerging neighborhoods or consider slightly smaller markets like Ogden or Logan for better ratios.
How many DSCR lenders operate in Utah?
Utah has broad DSCR lender coverage, with most national lenders licensed in the state. One notable exception is Kiavi, which excludes Utah. Use the DSCR Pulse calculator to see the exact lender count and compare offers for your specific Utah investment property.
Is St. George a viable market for DSCR investments?
St. George has seen significant growth driven by retiree migration, California transplants, and Zion National Park tourism. The warm climate supports year-round rental demand. Short-term vacation rental strategies can produce strong DSCR ratios, though investors should verify local STR regulations in Washington County.

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