All Programs and Guides on Investor Loans Utah
Every guide on this site, one screen. Program pages carry the mechanics; market pages carry the local numbers and STR rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- The 45% property-tax exemption: the corrective that a long-term rental can keep the primary-residence exemption.
- Investor cash-out refinance: ordinary rules, BRRRR seasoning timelines, no reassessment on refinance.
- Short-term rental loans: Airbnb financing with honest income-documentation lanes.
- LLC + series LLC lending: Utah authorizes low-cost series LLCs; close in the entity.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and what's past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
Market guides
- Salt Lake metro: Silicon Slopes demand, thin yields, the absent STR use category.
- Park City + Summit County: resort STR economics, the $1,150,000 limit, condotel financing.
- Provo, Orem + St. George: student rentals, the ADU restriction, southern-Utah growth.
Utah reference
- STR rules by city: the eight-market status table, verified July 2026.
- Rental property taxes: the 45%/55%/100% mechanics, no reassessment on sale, effective rates.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City and county STR rules, tax figures, and filing fees change; verify current requirements with the city or county, your CPA, or a Utah real estate attorney before you buy. Loans are subject to buyer and property qualification.