DSCR Financing in UT

DSCR Loans in Utah

Silicon Slopes tech growth, Park City luxury STRs, and one of the fastest-growing states in the country. Utah is a top-tier DSCR market.

Local Market Context

Investor Markets in Utah

Salt Lake City

The state's largest metro with tech-driven job growth, strong appreciation, and active investor community.

Provo / Orem

BYU and Silicon Slopes tech corridor driving steady rental demand and population growth.

Ogden

Affordable entry relative to SLC with growing investor interest and strong rent-to-value ratios.

St. George

Southern Utah retirement and tourism destination with year-round STR demand.

Park City

Premium ski-resort STR market with strong AirDNA projections and luxury inventory.

Common Properties

What Investors Finance in Utah

✓SLC metro SFR long-term rentals
✓Park City and Deer Valley luxury STRs
✓Provo/Orem tech-corridor rentals
✓Ogden value-play SFRs and small multifamily
✓St. George retirement and tourism STRs

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Utah

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

Program 3 cash-out in Utah is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.

Utah DSCR FAQ

Does Get Brick Capital offer DSCR loans in Utah?

Yes. Utah is one of the 50 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Utah?

Yes. Program 7 can be available in Utah for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Utah DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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