Direct DSCR Lender · Utah
DSCR loans in Utah. Built for speed.
Direct DSCR lender serving Utah real estate investors. Qualify on rental income — no tax returns or W-2s. Same-day scenario response, 95% approval rate.
- Statewide Utah coverage
- No tax returns or W-2s
- 15% down minimum
- Credit scores from 620
- LLC, trust, or personal name
- STR (Airbnb) & foreign national OK
What's your goal?
Pick what you'd like to do today.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Why Utah investors choose Quicker Home Loans.
Utah's distinguishing DSCR fact is the primary residence assessment — owner-occupied property pays on 55% of market value while investment property pays on 100%. Effective investment property tax is roughly 1.05%, not the 0.48% statewide benchmark. That 2x difference has to be built into the DSCR calc, or the file won't underwrite correctly. Non-judicial foreclosure runs 120 to 150 days.
Salt Lake City and Ogden anchor northern Utah DSCR volume, with Provo/Orem (BYU) as a distinct university-anchored submarket. Park City is a premium STR market with extremely tight supply and strict regulation. St. George (Washington County) has its own growth dynamic — retirement/snowbird migration plus tourism.
When a Utah deal doesn't fit our standard guidelines, we run it through the Approval Engine — a wider underwriting framework that finds an angle. That's how we close 95% of the deals we touch.
Utah DSCR context
DSCR in Utah — what matters.
A few Utah-specific factors shape how DSCR deals get structured here:
- Foreclosure process
- Utah uses a non-judicial foreclosure process, with typical uncontested timelines running 120–150 days.
- Property tax
- Statewide owner-occupied benchmark is roughly 0.48%. Investment property underwriting should use actual county tax bills and investor assessment rules — not homeowner-facing averages.
- Landlord climate
- Utah's landlord-tenant framework is landlord-friendly.
- Short-term rentals
- Salt Lake, Park City, St. George have strict STR rules; statewide tax applies.
Right program, right state
Which QHL programs fit Utah.
Every Utah DSCR file needs the 100% investment assessment rate applied — not the 55% primary-residence rate that shows on homeowner-facing sheets. Park City STR files benefit from our Airbnb DSCR program using historical performance; scarcity premiums are real. Standard DSCR at 80% fits Salt Lake, Ogden, and St. George.
Prepayment penalty
Prepayment penalty in Utah.
Up to a 5-year prepayment penalty period is permitted under QHL programs in this state.
PPP terms are confirmed at underwriting and may vary with loan amount, vesting, and property type.
Worth knowing
Notes on the Utah market.
Utah's primary-residence 45% exemption is the fact that trips up out-of-state investors most often — owner-occupied property is taxed on 55% of market value, but investment property is taxed on 100%. A homeowner-facing rate of 0.48% effectively becomes ~1.05% for investment. Any Utah DSCR calc that pulls the homeowner rate understates the tax line by roughly half. We apply the investment assessment rate on every Utah file before the ratio is finalized.
All programs available
Loan programs in Utah.
DSCR Loans
Qualify on rental income — no tax returns or W-2s.
Learn more →DSCR HELOC / 2nd Mortgage
Tap equity from your investment property — without touching your first.
Learn more →Fix-and-Flip Loans
Buy. Rehab. Sell. Repeat.
Learn more →Bank Statement Loans
12 or 24 months of bank statements instead of W-2s.
Learn more →ITIN Loans
Buy or refinance investment property with an ITIN — no SSN required.
Learn more →Commercial Real Estate
Multi-family, mixed-use, retail, office, industrial.
Learn more →Blanket & Portfolio Loans
Finance 2 to 100+ properties under one loan.
Learn more →Transactional Funding
Same-day funding for double closings.
Learn more →P&L Statement Loans
Qualify with a CPA-prepared profit & loss statement.
Learn more →Cities served
We serve investors in every Utah city.
Don't see your city? We lend everywhere in Utah. Call 551-375-6403.
Questions
DSCR loans in Utah — FAQ
Yes. Quicker Home Loans is a direct DSCR lender serving Utah real estate investors. We finance single-family rentals, 2–4 unit, multifamily, mixed-use, and short-term rentals statewide.
Ready to lower your rate?
Ready to fund your next Utah investment?
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.
Disclosure
The content on this page is provided for informational purposes only and does not constitute legal, tax, accounting, or financial advice. While Quicker Home Loans endeavors to keep state-specific information accurate as of the last review date, statutes, regulations, tax rates, and local ordinances are subject to change. You should independently verify any statement on this page with qualified legal counsel, a licensed tax professional, or the appropriate state or local authority before relying on it in connection with a real estate investment or loan decision. Last reviewed: April 18, 2026.