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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Utah DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Utah investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Salt Lake City, West Valley City, Provo, Ogden and the rest of Utah. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best-tier from 5.80%
  • 21–30 day close

Indicative as of August 1, 2026. Not a quote. Lenders set final pricing at underwriting.

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Utah?

Yes. DSCR loans in Utah qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Governed best-tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated August 1, 2026.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Utah Rental Market Snapshot

State-level data DSCR underwriters use to size Utah rental deals.

Median Home Price
$525K
Statewide single-family
Gross Rental Yield
4.0–6.0%
Annual rent / price
Eviction Timeline
30–45 days
landlord-friendly
Rate Adjustment
neutral
vs national baseline

Utah is one of the fastest-growing DSCR markets in the Mountain West. Silicon Slopes tech in-migration and BYU/U of U student housing produce reliable LTR demand. Park City and Moab anchor premium STR markets with seasonal nightly-rate dynamics. Ogden and Lehi offer middle-ground cap rates with growing employment.

Major Utah Markets We Serve

Active DSCR deal flow across Utah's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Salt Lake City$555K4.0–5.0%Largest UT market, tech employment, premium LTR pricing
West Valley City$445K5.0–6.0%Lower entry alternative in SLC MSA, family LTR demand
Provo$495K4.5–5.5%BYU + Silicon Slopes tech, premium student-housing LTR
Ogden$395K5.5–6.5%Hill AFB military demand, growing in-migration from SLC
Utah investor note:Utah has no statewide rent control. Park City and Moab STR markets produce premium DSCR; tech in-migration (Silicon Slopes) drives Provo-Salt Lake LTR demand.

Utah Eviction Timeline & Landlord Posture

How Utah courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
landlord-friendly
Typical Timeline
30–45 days
Rent Control
None / preempted

Utah Code § 78B-6 allows a 3-day notice for non-payment. District court unlawful-detainer cases typically resolve within 14–21 days of filing.

Utah Rate Adjustment vs National Baseline

neutralover national baseline pricing

Mid-sized MSA pricing tracks national jumbo curves; rapid eviction process and rent-control absence reduce loss severity.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best-tier floor 5.80% from rate-floors.json as of August 1, 2026.

DSCR Lenders Active in Utah

The non-bank DSCR programs we see most frequently funding Utah rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Kiavi
  • Visio Lending
  • Lima One
  • CoreVest

PeerSense is independent, not a lender. Lenders listed are programs we have funded Utah deals through; specific terms vary by file.

Utah DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Get Utah DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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