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DSCR Rental Loans · Utah

DSCR rental loans in Utah — qualify on the rent.

Mortava DSCR loans in Utah: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Utah is high appreciation plus strong ski-country short-term-rental returns. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Salt Lake City, Provo, Ogden and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Utah term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Utah rentals with Mortava

DSCR loans let Utah investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Salt Lake City, Provo, Ogden, St. George.

Salt Lake City’s growth economy supports long-term holds while ski-country submarkets deliver premium short-term-rental seasons. Utah rewards investors who underwrite each submarket on its own income profile.

Top metros we lend in
Salt Lake City, Provo, Ogden, St. George
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

Short-term rentals & Airbnb in Utah

Salt Lake City-area short-term rentals can qualify for DSCR financing on projected rental income — no years of Airbnb history required. If the STR play is your angle in Utah, see our STR / Airbnb DSCR program for how projected income is underwritten.

Guidelines reviewed July 2026 by the Mortava lending team.

Utah DSCR loan FAQ

Can I get a DSCR loan in Utah?
Yes. Mortava lends on investment properties across Utah, including Salt Lake City, Provo, Ogden, St. George. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Utah without W-2s or DTI.
What credit score do I need for a Utah DSCR loan?
Most Utah DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Utah DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Utah.
Can I use a DSCR loan for an Airbnb or short-term rental in Utah?
Yes. Mortava's STR DSCR program qualifies Utah short-term rentals on projected rental income — no long Airbnb history required. Local STR rules vary by city and county in markets like Salt Lake City, so confirm licensing before you buy.
Do you lend on rentals in Salt Lake City and Provo?
Yes — Mortava lends across Salt Lake City, Provo, Ogden, St. George and every other Utah market. DSCR loans are sized on each property's rent, so a Salt Lake City duplex and a small-town single-family are underwritten the same way.
DSCR rental loans by state
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