DSCR Loans in Salt Lake City, UT: 2026 Investor Guide

Salt Lake City, Utah — Tech-driven Wasatch Front job growth (Adobe, Domo, Qualtrics) — appreciation thesis stronger than coupon yield.

DSCR Capital Partners closes Salt Lake City DSCR loans across long-term rentals, short-term Airbnb properties, and small multifamily. This guide covers exactly how the 2026 program works for Salt Lake City investors: pricing, sub-market color, STR rules, and the qualifying math on a representative property.

Salt Lake City Investor Snapshot — 2026

Median SFR Price

,200Median Rent

0.95–1.15Typical DSCR

0.55%Property Tax

Salt Lake City DSCR Loan Snapshot

2026 Salt Lake City DSCR Program HighlightsRates: From 6.50% on strong files (720+ FICO, DSCR 1.20+)
Max LTV: 80% on purchase, 75% on cash-out refinance
Min FICO: 620 (660+ for best pricing tiers)
Min DSCR: 1.0 standard, 0.75 case-by-case at lower LTV
Loan Amount: $100K–$3M+ in Salt Lake City
Property Types: SFR, 2–4 unit, condo, 5+ unit small multifamily
Borrowers: Individual, LLC, foreign national, ITIN
Close time: 21–30 days standard

Salt Lake City Sub-Markets We Lend In

Whether you're buying, refinancing, or pulling cash out, we close DSCR loans across all major Salt Lake City neighborhoods and surrounding metro communities:

Sugar House, The Avenues, 9th and 9th, Holladay, Sandy, Murray, West Jordan, South Jordan, Draper, Lehi

Worked Example: $K SFR in Salt Lake City

Representative DSCR math on a median-priced Salt Lake City SFR purchase:

Purchase price:
Down payment (25%): ~25% of purchase
Loan amount (75% LTV): ~75% of purchase
Estimated monthly PITIA: Calculated from current rate + 0.55% effective property tax + insurance + HOA (if applicable)
Market rent (Form 1007 / lease): ,200/month
DSCR: Typically lands in the 0.95–1.15 range
Result: Qualifies under standard DSCR program at 75% LTV

Short-Term Rental Notes for Salt Lake City

DSCR penciles tight in SLC proper; suburbs (Draper, Lehi, South Jordan) work better. Many files run no-ratio. STR DSCR files use AirDNA market projections discounted to 75–80% as the qualifying rent. Verify city or county STR registration requirements before going under contract.

Why Investors Choose DSCR Capital Partners for Salt Lake City Files

Wholesale lender access. We shop your Salt Lake City file across 8–12 wholesale DSCR programs and route to whichever investor pricing wins.
21–30 day close. Salt Lake City appraisals turn quickly with our preferred AMC; clean files often close on the early end.
LLC, foreign national, ITIN, condo, multifamily — all in-house. Whatever the file complexity, we have a program that fits.
One loan officer per file. Direct cell-phone access, no call center.

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Frequently Asked Questions

What is the typical DSCR for a Salt Lake City investment property? +

Salt Lake City DSCRs typically run 0.95–1.15 at 75% LTV depending on neighborhood and property type. Median rent of ,200 on a median-priced property pencils into the qualifying range on most files.

Can I get a DSCR loan for a Salt Lake City Airbnb? +

Yes. Salt Lake City STR financing is available under our short-term rental DSCR program using AirDNA full-year projections. DSCR penciles tight in SLC proper; suburbs (Draper, Lehi, South Jordan) work better. Many files run no-ratio.

What credit score is needed for a Salt Lake City DSCR loan? +

620 minimum on most Salt Lake City DSCR files. 720+ unlocks the lowest rates and highest LTV (up to 80%). Credit thresholds are universal — no Salt Lake City-specific overlay.

Are foreign nationals approved for Salt Lake City DSCR loans? +

Yes. Salt Lake City is open to foreign national DSCR borrowers at 70% max LTV. Documents notarized at the US embassy in the borrower's country are accepted.

How long does a Salt Lake City DSCR loan take to close? +

21 to 30 days for a clean file. Appraisal turn time in Salt Lake City is typically 7 to 10 business days. Bridge variants close in 14 to 21 days.

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Related Resources

DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548), a licensed mortgage broker. Median price/rent figures are approximate market estimates as of May 2026 and vary by sub-market. DSCR ranges shown are typical; specific files may price differently. Equal Housing Lender. Not a loan commitment.