DSCR Loans Utah
Finance a rental anywhere in Utah on the property's cash flow - not your income. Utah is a high-growth Mountain West market from Salt Lake City's tech-sector boom to St. George's Sun Belt migration. We lend statewide with rates from 5.75%, up to 85% LTV, and DSCR from 0.75x - no tax returns or W-2s.
- Qualify on the property's rent - no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- Statewide: Salt Lake City, Provo, Ogden, St. George, and Park City
- SFR, Condo, 2-4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Utah DSCR Loans - Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property's rent / payment (DSCR), not your personal income.
- Market: Utah statewide - a high-growth Mountain West market with strong appreciation.
- Max LTV: Up to 85% (purchase) · 75-80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720-780+). Rates: from 5.75%.
- Closing: as fast as 14 days. Vesting personal, LLC, or entity - foreign nationals eligible.
- Lender: CambridgeHomeLoan.com - direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in Utah
What is a DSCR loan in Utah?
A Utah DSCR loan is an investment-property mortgage that qualifies on the property's rental income - gross rent divided by full PITIA - instead of your personal income. With a statewide median home value near $535,217 and median rent around $1,650, Utah is a high-growth Mountain West market from Salt Lake City's tech-sector boom to St. George's Sun Belt migration. We lend up to 85% LTV, accept DSCRs as low as 0.75x, and vest in an LLC or entity with no cap on financed properties.
| Qualifies on | The property's rent / PITIA (DSCR) - no personal income |
| Rates from | 5.75% (Tier 1; see rate table below) |
| Max LTV | Up to 85% (purchase) · 75-80% cash-out |
| Min DSCR | From 0.75x with compensating factors · no-ratio options |
| Min FICO | 620+ (best pricing 720-780+) |
| Vesting | Personal or LLC · foreign nationals eligible · no property cap |
| Coverage | All of Utah - statewide |
Utah market data
Utah rental market at a glance (2026)
Representative 2026 statewide indicators for underwriting context - confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Median home value (2026) | ~$535,217 (Zillow) |
| Median rent (2026) | ~$1,650/mo (RentCafe / market) |
| Property tax | ~0.55% effective (state average) |
| Top investor metros | Salt Lake City, Provo, Ogden, St. George |
| Investor profile | tech-driven appreciation with growing cash-flow markets |
Utah by the numbers (2026)
- Profile: Utah is a high-growth Mountain West market from Salt Lake City's tech-sector boom to St. George's Sun Belt migration.
- Where it pencils: Salt Lake City drives tech-sector appreciation and STR demand; Ogden offers the state's best cash flow and BRRRR, with Provo, St. George, and Park City rounding it out.
- DSCR access: we qualify Utah rentals on rent alone - up to 85% LTV, DSCR from 0.75x, 620 FICO, $20M+ capacity.
Sources: Zillow median home value and RentCafe / World Population Review rent data, 2025-2026; property-tax averages per Tax Foundation. Estimates for illustration; confirmed per property by a Form 1007 appraisal and a real insurance quote.
Where to invest
Top Utah cities for DSCR investors
Utah's strongest rental markets include Salt Lake City, Provo, Ogden, St. George, and Park City. Salt Lake City drives tech-sector appreciation and STR demand; Ogden offers the state's best cash flow and BRRRR, with Provo, St. George, and Park City rounding it out. We lend in every one of them - and everywhere else in Utah.
Free tool
Utah rent & DSCR calculator
Enter the property's monthly rent, your loan, and carrying costs to estimate your DSCR (rent / PITIA) and monthly cash flow. Defaults reflect Utah statewide medians. Illustrative only - final DSCR uses the appraiser's Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (Utah)
Illustrative only; not a rate quote or commitment to lend. Statewide medians vary widely by city and property - we confirm rent with a Form 1007.
Rates
Utah DSCR rate tiers (2026)
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% - strongest pricing |
| Tier 2 (720-779, ≤75% LTV) | ~6.25-7.00% |
| Tier 3 (660-719, ≤80% LTV) | ~7.00-7.75% |
| Tier 4 (620-659, up to 85% LTV) | ~7.75-8.50% |
Illustrative tiers, subject to change and underwriting; DSCR ratio, property type, and reserves also affect pricing. Not a rate quote.
Requirements
Utah DSCR loan requirements
| Down payment | Typically 20-25% (purchase) |
| Credit | 620+ FICO; best pricing at 720-780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3-6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
Utah DSCR loan FAQ
Why invest in Utah with a DSCR loan?
Utah is a high-growth Mountain West market from Salt Lake City's tech-sector boom to St. George's Sun Belt migration. A DSCR loan lets you finance these rentals on the property's income - no tax returns or W-2s - so you can scale across Salt Lake City and beyond without income caps.
Which Utah cities cash-flow best for DSCR?
Our most-financed Utah markets include Salt Lake City, Provo, Ogden, St. George, and Park City. Salt Lake City drives tech-sector appreciation and STR demand; Ogden offers the state's best cash flow and BRRRR, with Provo, St. George, and Park City rounding it out.
What are the DSCR loan requirements in Utah?
620+ FICO (best pricing 720-780+), DSCR from 0.75x, up to 85% LTV on purchase and 75-80% cash-out, typically 20-25% down. We qualify on the property's rent via a Form 1007 - no tax returns or W-2s.
Can I close in an LLC or as a foreign national in Utah?
Yes. We vest in your name, an LLC, or an entity with no cap on the number of financed properties, and we lend to foreign national investors on Utah rentals.
Utah cities
DSCR Loans by Utah City
We fund DSCR rental loans across Utah - qualify on the property, not your income. Explore your market:
Keep exploring
Related Utah & national investor loans
(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only and are not available for primary residences. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change without notice, and subject to borrower and property qualification and underwriting approval. Rate shown "from 5.75%" reflects the lowest advertised tier for the strongest borrower profiles and is not a rate quote or commitment to lend. State market figures are third-party estimates for illustration only and are confirmed by a Form 1007 appraisal on your specific property. Comparison columns are generic market composites and are not the terms of, or an endorsement of or by, any specific lender. This page is informational and does not constitute financial, legal, tax, or investment advice.