STR / Airbnb DSCR Loans in Utah

Utah's STR market is dominated by Park City (ski + summer destination), Moab (Arches/Canyonlands tourism), and St. George (warm-weather retirement and tourism). Salt Lake City has a smaller urban Airbnb segment. Park City has tightened STR rules in residential zones; ski-resort condos remain permissive.

Top Utah markets for str / airbnb dscr

  • Park City: Premium ski + summer market; resort condos most permissive.
  • Moab: Arches/Canyonlands gateway; year-round outdoor demand.
  • St. George / Hurricane: Warm-weather destination; growing STR activity.
  • Salt Lake City: Smaller urban Airbnb; some zone restrictions.

Utah quick facts

  • Park City resort zones STR-friendly
  • Moab gateway market
  • UT state sales tax 4.85%
  • Property tax ~0.6%

Active programs available in Utah

Non-QM Investor Loan

confirmed 6/2/2026

Commercial mortgage program offering up to 90% CLTV for various property types including mixed-use, multi-family, and retail. Allows for flexible deal structuring including seller carrybacks and second liens.

DSCR Loan for Investment Properties

confirmed 6/4/2026

A flexible Non-QM lending program offering specialized income calculations and structuring options for complex borrower scenarios.

DSCR Loan for Investment Properties

confirmed 5/21/2026

A DSCR loan program for foreign national investors on 1-4 unit investment properties, offering up to 75% LTV and credit scores starting at 680.

FICO 680+LTV up to 75%DSCR 1+

DSCR Loan for Investment Properties

confirmed 5/20/2026

DSCR investor loan for short-term rental properties, allowing up to 80% LTV for purchase and rate-term refinances with no limit on financed properties.

FICO 620+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/28/2026

A flexible DSCR loan program for investment properties with no minimum DSCR requirement, allowing for negative cash flow and short-term rental income.

FICO 640+

DSCR Loan for Investment Properties

confirmed 5/14/2026

A non-QM DSCR program for investors, including first-time investors, that allows for negative cash flow properties and offers flexible qualification options like asset utilization.

FICO 620+LTV up to 85%

DSCR Loan for Investment Properties

confirmed 5/11/2026

A DSCR loan program for investment properties that allows for entity vesting, rural properties, and short-term rental income, with both fixed and ARM options available.

DSCR Loan for Investment Properties

confirmed 6/5/2026

Debt Service Coverage Ratio loan program for investment properties based on property cash flow rather than personal income.

Asset-Qualifying Loan

confirmed 5/13/2026

An asset-based loan program that allows borrowers to qualify by converting liquid assets into a usable income stream, eliminating the need for traditional income or employment documentation.

FICO 680+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/12/2026

A 30-year fixed DSCR loan program for investment properties with flexible prepayment penalty options and LTVs up to 80%.

LTV up to 80%DSCR 1+

DSCR Loan for Investment Properties

confirmed 5/20/2026

A 30 or 40-year fixed-term bridge loan for investment properties that requires a DSCR of at least 0.80. This program allows for up to 80% LTV and is available for single-family homes, 2-4 units, non-warrantable condos, and condotels.

FICO 660+LTV up to 80%DSCR 0.8+

Specialized Investor Loan Program

confirmed 5/10/2026

A specialized financing program for senior care housing properties, offering 30-year fixed terms and up to 75% LTV for purchase and cash-out refinance transactions.

LTV up to 75%

DSCR Loan for Investment Properties

confirmed 5/19/2026

A DSCR-based loan program for short-term rental investors, allowing for purchase, rate and term, and cash-out refinances on 1-4 family properties and condos.

FICO 620+LTV up to 80%

Specialized Investor Loan Program

confirmed 5/19/2026

A 12-month financing program for experienced investors building ground-up residential projects, offering up to 90% of purchase price and 100% of construction costs.

LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/28/2026

A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.

FICO 650+LTV up to 90%

Specialized Investor Loan Program

confirmed 5/18/2026

A 20-year fixed standalone second lien mortgage for primary residences, offering up to 70% CLTV.

LTV up to 70%

Foreign National Investment Loan

confirmed 5/20/2026

A loan program for international buyers seeking U.S. real estate investment or second home opportunities without requiring a U.S. credit score.

Non-QM Investor Loan

confirmed 5/10/2026

Financing for non-owner-occupied investment properties offering up to 90% CLTV, including options for seller carrybacks or second liens.

LTV up to 90%

DSCR Loan for Investment Properties

confirmed 5/15/2026

A flexible DSCR loan program for investment properties, offering options for no-ratio qualification, various prepayment penalty terms, and support for short-term rentals.

FICO 640+LTV up to 80%DSCR 0.75+

DSCR Loan for Investment Properties

confirmed 5/20/2026

DSCR loan program for investment properties now available with a minimum DSCR ratio as low as 0.01.

DSCR 0.01+

Non-QM Investor Loan

confirmed 5/15/2026

A Non-QM program featuring a simplified 4-question Streamline WVOE for income qualification, available for purchase, refinance, and investment properties.

FICO 660+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/15/2026

A DSCR program for investment properties that allows for negative cash flow and offers interest-only payment structures to help qualify challenging deals.

DSCR 0.75+

ITIN Loan Program

confirmed 5/14/2026

Non-QM loan program for ITIN borrowers, DACA recipients, permanent residents, and US citizens with flexible income documentation and no DTI cap.

FICO 580+

DSCR Loan for Investment Properties

confirmed 5/22/2026

A DSCR loan program for investment properties, including short-term rentals, offering up to 85% LTV and flexible qualification options like interest-only payments.

LTV up to 85%

Specialized Investor Loan Program

confirmed 5/11/2026

Financing for specialty agricultural properties including orchards, vineyards, groves, and equestrian facilities.

Non-QM Investor Loan

confirmed 5/18/2026

A limited documentation Non-QM program that allows borrowers to qualify using a simplified written verification of employment form without requiring detailed income breakdowns.

FICO 660+

Specialized Investor Loan Program

confirmed 5/10/2026

A commercial ground-up construction loan for multi-family projects up to 10 units, designed for investors of all experience levels.

FICO 650+LTV up to 85%

Non-QM Investor Loan

confirmed 5/10/2026

A non-QM mortgage product designed for borrowers who may not meet traditional lending criteria.

DSCR Loan for Investment Properties

confirmed 6/1/2026

DSCR loan program for residential 1-4 unit investment properties, offering multiple series options including Signature, Streamline, and Standard.

DSCR Loan for Investment Properties

confirmed 5/26/2026

DSCR loan program for short-term and long-term rental investment properties with competitive pricing and fast appraisal processing.

Non-QM Investor Loan

confirmed 5/10/2026

A non-QM mortgage product designed for borrowers who may not meet traditional lending criteria.

Specialized Investor Loan Program

confirmed 5/10/2026

Financing solutions for commercial agricultural properties that generate income, tailored to the specific operational needs of the borrower.

DSCR Loan for Investment Properties

confirmed 5/11/2026

A DSCR loan program for short-term rental properties like Airbnb and VRBO that qualifies borrowers based on property income without requiring personal income documentation.

FICO 620+LTV up to 75%

Bridge Loan for Investors

confirmed 5/12/2026

Short-term bridge financing for investors to acquire or refinance distressed or non-warrantable condo units.

Bridge Loan for Investors

confirmed 5/9/2026

A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.

DSCR Loan for Investment Properties

confirmed 5/20/2026

A DSCR loan program for investment properties that allows for short-term rentals, vacant properties, and qualification based on market rent without requiring a lease.

Foreign National Investment Loan

confirmed 5/9/2026

Financing program for international investors purchasing U.S. real estate that does not require U.S. credit history or traditional U.S. income documentation.

Non-QM Investor Loan

confirmed 5/9/2026

Financing solutions for condo projects that do not meet standard Fannie Mae or Freddie Mac guidelines, including those with litigation, high commercial space, or investor concentration.

Specialized Investor Loan Program

confirmed 6/8/2026

A flexible, fully amortized HELOC solution for primary, second home, and investment properties with loan amounts up to $750,000 and fast funding in as little as 5 days.

FICO 600+LTV up to 85%

Fix & Flip Loan for Investors

confirmed 6/2/2026

Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.

DSCR Loan for Investment Properties

confirmed 5/9/2026

A flexible Non-QM program offering full income, alternative income, and DSCR documentation options with fixed, adjustable, and interest-only rate structures.

Bank Statement Loan

confirmed 5/10/2026

A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.

FICO 600+LTV up to 90%

Utah STR / Airbnb DSCR FAQs

Is Airbnb legal in Park City?

Park City's rules vary by zone. Resort zones (Deer Valley, Park City Mountain area) are STR-friendly. Residential zones outside the resort areas have tightened rules with permits and density caps. Verify zoning before purchase.

Utah STR taxes?

UT state sales tax 4.85% + local lodging tax (varies, typically 1-7%). Most platforms collect.

Moab STR considerations?

Grand County requires operator registration. Moab-area inventory is tight; values appreciate strongly when National Park visitation is high.

General str / airbnb dscr questions

How is short-term rental income verified?

Three common methods: (1) 12-month trailing statement from Airbnb/VRBO/PriceLabs, (2) AirDNA Rentalizer report for the subject address, or (3) market-rent appraisal addendum that captures STR comps.

What expenses are deducted from gross STR income?

Most lenders apply a 20–25% expense deduction (cleaning, supplies, platform fees, vacancy) to gross STR revenue before computing DSCR. Some lenders use 30%.

Can I get an STR loan in a market that just banned short-term rentals?

Generally no. Lenders verify local STR ordinances and will pivot to long-term DSCR (or decline) if the address sits in a permit-restricted zone.

See all STR / Airbnb DSCR guidelines and FAQs →

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