Utah DSCR Loan Calculator
Screen a Utah rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Utah; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Utah DSCR assumptions
The calculator seeds Utah with a starting property value of $480,000.00, starting rent of $1,500.00, annual property tax based on a 0.48% effective rate, and estimated annual insurance of $1,885.00.
STR note: No statewide restrictions. Park City and Summit County have active STR regulations (Park City has some of the highest STR permit fees and restrictions in the Mountain West). Salt Lake City has enacted STR regulations. Moab/Grand County has STR regulations. Park City and Moab STR rules are actively evolving — critical for STR investors. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Salt Lake City/Salt Lake County (largest market, most liquid, hybrid). Utah County (Provo/Orem — BYU/UVU anchor, tech boom, hybrid). Davis County (SLC suburb, Hill AFB, strong rental demand, hybrid). Weber County (Ogden, more affordable, cash flow + hybrid). St. George/Washington County (fast-growing retirement/outdoor market, appreciation). Park City/Summit County (premium STR market, high appreciation, heavily regulated).
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