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
Bridge Loan for Investors
confirmed 5/9/2026A 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 5/9/2026A 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 5/9/2026Financing 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 5/9/2026Financing 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 5/10/2026A 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.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
DSCR Loan for Investment Properties
confirmed 5/9/2026A 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 5/10/2026A 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.
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.
Got a Utah str / airbnb dscr scenario?
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