How to Get a DSCR Loan in Utah: 2026 Complete Guide

Utah pairs one of the fastest-growing populations in the country (Salt Lake City, Provo, St. George) with a top-tier ski-resort STR market (Park City) and a national-park-driven STR economy (Moab, Springdale near Zion). A DSCR loan is the standard financing tool used across all four investor profiles.

This guide explains how DSCR loans work in Utah, current 2026 rates, the strongest investor markets, and the state's STR licensing landscape.

5.75%

Rates From

85%

Max LTV

620+

Min Credit Score

$15M

Max Loan Amount

What Is a DSCR Loan?

A DSCR loan — Debt Service Coverage Ratio loan — qualifies the borrower based on the rental income of the subject property rather than personal income. The qualifying ratio is the property's gross monthly rent divided by its monthly debt obligations (PITIA: principal, interest, taxes, insurance, HOA).

DSCR Formula

DSCR = Gross Monthly Rental Income ÷ Monthly Debt Obligations

A 1.0 DSCR means the property breaks even. Higher ratios produce better pricing.

Because qualification is based on the property, DSCR loans require no W-2s, no tax returns, no employment verification, and no debt-to-income calculation.

Why Utah Is a Strong Market for DSCR Loans

Utah's investor case is built on population growth (consistently top-three nationally), tech employment expansion (Silicon Slopes corridor through Lehi, Draper, and Provo), and STR economic depth in Park City, Moab, Springdale, and St. George. The state has no rent control and landlord-friendly courts.

For STR investors, Park City is one of the most established ski-resort STR markets in the U.S. — and also one of the most regulated. Verify local STR licensing (Park City Municipal vs Summit County unincorporated) before contracting. Moab and Springdale STR markets are equally regulated with strict permit caps.

DSCR Loan Requirements in Utah

      DSCR Loan Requirements — Utah
      Minimum credit score: 620 (best pricing at 740+)
Minimum DSCR: 0.75 (1.0+ preferred)
Maximum LTV: Up to 85% purchase / 75–80% cash-out refinance
Loan amount: $100,000 to $15,000,000
Property types: SFR, condo, 2–4 unit, 5+ unit multifamily, condotel
Loan terms: 30-year fixed, ARM options, interest-only
Borrower types: Individual, LLC, corporation, foreign national
Reserves: Typically 3–6 months PITIA

    

Top Utah Markets for DSCR Investors

Salt Lake City & Wasatch Front

SLC proper, Sandy, Cottonwood Heights, Murray, Ogden. Strong long-term rental demand, growing tenant base. SFR DSCRs 1.05–1.25 at 75% LTV common.

Provo & Silicon Slopes

Lehi, Draper, American Fork, Orem. Tech-driven tenant base. Stable rents, low vacancy. BYU drives student rental dynamics in central Provo.

Park City & Deer Valley

Premier ski-resort STR market. Strong winter and shoulder-season revenue. STR licensing restrictive — verify permit transferability before contracting. We finance permitted STRs using AirDNA full-year projections.

St. George & Moab

St. George (warm-weather retirement and rental market) and Moab (Arches/Canyonlands STR economy). Both produce strong DSCRs; Moab has a strict STR permit cap.

DSCR Loan Rates in Utah — 2026

      2026 DSCR Rate Ranges — Utah
      Credit 780+ / LTV under 65%: Rates from ~5.75%
Credit 720–779 / LTV 65–75%: 6.25–7.00%
Credit 660–719 / LTV 75–80%: 7.00–7.75%
Credit 620–659 / LTV 80–85%: 7.75–8.50%

    

See If You Qualify for a DSCR Loan in Utah

Takes 30 seconds. No credit pull. No obligation.

Check My Eligibility →

How to Apply

Submit your inquiry. Property address, estimated rent, loan amount.
Pre-approval in 24–48 hours.
Close in 21–30 days. No tax returns or employment verification.

Frequently Asked Questions

Can I get a DSCR loan for a Park City Airbnb? +

Yes — provided the property has a transferable STR permit or new permit availability. Park City Municipal and Summit County have different STR rules. We finance permitted STR properties using AirDNA full-year projections.

Is Salt Lake City a good DSCR market in 2026? +

Yes. SLC's population growth, tech-driven tenant base, and absence of rent control combine for a stable long-term DSCR investor profile. SFR DSCRs in the 1.05–1.25 range at 75% LTV are routine.

Are Moab STR loans available? +

Yes. Moab STR financing is available for properties with valid STR permits. Moab has a strict permit cap, so verify permit status before contracting.

What is the minimum credit score for a Utah DSCR loan? +

620 minimum; best pricing at 720+. Park City and ski-resort STR loans typically require stronger credit and reserves due to higher absolute loan amounts.

Can I close a Utah DSCR loan in an LLC? +

Yes. Utah DSCR loans close in LLCs routinely. Utah LLC formation is fast and the state has modest annual reporting requirements.

Ready to Get a DSCR Loan in Utah?

Rates from 5.75%, scores from 620, no income docs required.

Apply in 30 Seconds →

Explore More Resources

Free DSCR Tools

More State DSCR Loan Guides

Learn More About DSCR Loans

DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548), a licensed mortgage broker. Informational only; not a loan commitment. Equal Housing Lender.