DSCR Loans in Utah
Browse 42 lenders offering dscr loans in Utah. Compare rates, requirements, and loan programs — then connect directly.
DSCR Lenders in Utah
42 lenders offering dscr loans to borrowers in Utah.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Roc Capital
New York, NY
Originated $15B+ in loans. Bridge and DSCR rental loans for real estate investors. Known for speed and scale.
Tidal Loans
Houston, TX
Texas-based private money lender. Hard money, bridge, and DSCR rental loans for real estate investors nationwide.
Truss Financial Group
CA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
Velocity Mortgage Capital
Westlake Village, CA
Small balance commercial mortgage lender. DSCR and business purpose loans for 1-4 unit investment properties and small commercial properties.
Visio Lending
Austin, TX
Dedicated rental property lender. DSCR-only, specializing in long-term and short-term rental financing for investors. Streamlined process for experienced landlords.
About DSCR Loans in Utah
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In Utah, 42 lenders currently offer DSCR financing with loan amounts from $100K to $5M and rates typically ranging from 7.0% - 9.5%.
Utah Market Overview
Utah's Silicon Slopes tech corridor has made the Salt Lake City-Provo area one of the nation's leading technology hubs, driving exceptional CRE demand. The state consistently ranks among the top states for business climate and economic growth.
Utah's commercial property tax is assessed at 100% of fair market value, but the state offers a 45% residential exemption that does not apply to commercial properties, creating a meaningful tax differential that affects mixed-use development economics. The state's Enterprise Zone Tax Credit program provides tax incentives for businesses investing in designated areas, primarily in rural Utah. Salt Lake City's limited developable land, constrained between the Wasatch Mountains and the Great Salt Lake, creates natural supply barriers that support commercial property values, while the inland port development west of the airport is opening significant new industrial and logistics opportunities.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Pros and Cons
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans FAQ
What is a good DSCR ratio? ▼
Can I get a DSCR loan with no money down? ▼
Do DSCR loans show on my credit report? ▼
Can I use a DSCR loan for a short-term rental? ▼
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