A DSCR loan lets Utah rental investors qualify based on the property's rental income instead of personal tax returns. G Elite Capital offers 30-year fixed DSCR loans across Utah, including Salt Lake City, West Valley City, Provo and every serviced metro. Long-term rentals, short-term rentals, and mid-term corporate housing are all eligible — as are LLCs, LPs, and portfolios with 10+ financed doors.
Salt Lake City, West Valley City, Provo, West Jordan, Orem, Sandy, and every other Utah market.
A DSCR loan qualifies you based on your Utah property's monthly rent divided by its PITIA (principal, interest, tax, insurance, HOA). If that ratio is 1.0 or higher, the property pays for itself and you qualify — no personal income verification required.
A DSCR of 1.0 or higher unlocks the best pricing. We offer programs down to 0.75 DSCR and "no ratio" loans for Utah short-term rentals or premium markets where cash flow is tight but appreciation is strong.
Yes. We qualify Airbnb and VRBO properties in Utah using AirDNA or 12-month rental history. Beach, mountain, and vacation markets across Utah are all eligible.
Yes — and we recommend it. Closing in an LLC in Utah keeps the loan off your personal credit and separates asset protection between properties.