By Tres Miller · Mortgage Banker · NMLS #217768
Reviewed June 22, 2026 · 31+ years lending in Utah
Quick Answer
Investment property financing in Utah typically requires 15–25% down and prices slightly higher than primary residence loans. DSCR loans qualify the property's rental income instead of your personal income.
Overview
Conventional investment property loans require 15–25% down, depending on number of units and credit.
DSCR loans (debt-service coverage ratio) are popular with Utah investors who want to grow a portfolio without showing more W-2 income.
Short-term rental rules vary widely by Utah city — Park City, Moab, and St. George are tightly regulated.
Who it's for
- Credit typically 680+
- Reserves of 2–6 months per property
- Down payment 15–25%+
Key benefits
- Cash flow + appreciation
- Tax advantages (consult CPA)
- Inflation hedge
Common mistakes to avoid
- Buying STRs in cities that ban them
- Ignoring property management cost
- Optimistic vacancy assumptions
Run the numbers:Open the mortgage calculator
Frequently Asked Questions
Next steps
Start your application, run scenarios in the mortgage calculator, or schedule a call with Tres Miller — 31+ years of Utah lending, NMLS #217768.
Related resource centers
- Conventional Loans Resource CenterConforming limits, PMI, down payment options, and side-by-side FHA comparison.
- Jumbo Loans Resource CenterReserve requirements, pricing, and Utah markets where jumbos are routine.
- Reverse Mortgage Resource CenterHECM eligibility, payouts, costs, heirs, counseling, and what a reverse mortgage really means for your Utah home.
- VA Loan Resource CenterZero-down VA financing — entitlement, funding fee, appraisals, IRRRL, and jumbo structures, explained plainly.
- FHA Loans Resource CenterDown payment options, credit flexibility, county loan limits, and what to expect from underwriting.
- USDA Loans Resource CenterEligibility maps, income limits, and how USDA Rural Development financing works in Utah.
Disclosure: Educational information only. Not a commitment to lend. Loan approval, interest rates, fees, program eligibility, and property qualification depend on individual underwriting and current program rules at the time of application. Verify all program details with a licensed loan originator. Tres Miller NMLS #217768. Equal Housing Opportunity.