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Commercial DSCR Investor Deal Desk
Utah (UT) · Non-Judicial (Deed of Trust — 3-Month Notice of Default) Foreclosure · 2026 DSCR Desk

Utah DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

Utah DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Utah (UT) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Utah median 1–4 unit price of $515,000 and Form 1007 rent of $3,450/mo (0.57% property tax, $430/$100K hazard insurance), a 75% LTV loan models at 1.18x DSCR ($2,935/mo total PITIA).

Median 1–4 Unit Price
$515,000
75% LTV: $386,250
Median Form 1007 Rent
$3,450/mo
Modeled DSCR: 1.18x
UT Effective Tax Rate
0.57%
~$245/mo Tax Escrow
Security Instrument
Non-Judicial (Deed of Trust — 3-Month Notice of Default)
Avg Timeline: 120–140 days days

All 10 Investor Loan Programs in Utah (UT)

Utah DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Utah Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Utah Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Utah Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Utah Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Utah Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Utah Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Utah Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Utah Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Utah Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Utah County Property Tax & Insurance Underwriting Atlas (1)

Salt Lake County, UT
Salt Lake County, UT · 0.58% Tax · $440/$100K Ins

Top Utah Investment Cities

Salt Lake City, UTWest Valley City, UTProvo, UTWest Jordan, UTOrem, UTSandy, UTOgden, UTSt. George, UTLayton, UTTaylorsville, UTSouth Jordan, UTLehi, UT
Utah DSCR Loans (2026) — 80% LTV, Rates & UT Underwriting Guide | Mortgage by Steve — Direct DSCR, Bridge & Rental Portfolio Financing