01
Your goal
The home or property you have in mind and the timing you’re working toward.
Investors · Loan guide
DSCR loans.
Start with your situation.
A property-focused approach to investment financing, with rental income central to the review.
How this program works
What changes the fit.
Utah and Idaho cities on this desk use the same person and a program that has to match the house.
DSCR loans are for investors. The review centers on the property’s rent versus its payment, instead of a W-2. That does not remove the need for reserves, insurance, or a rent figure you can support. If the property is a short-term rental, the income story has to match how you will actually use it.
Price it against a conventional investment loan. Some DSCR products include a prepayment penalty, and that term matters if you might sell or refinance in the first few years. The program is a fit for a rental you can document, in Utah or Idaho. It is not a way around a primary-home application.
Who this may fit
Investors exploring qualification based on property cash flow.
What to discuss
- Debt-service coverage on the property
- Compare with conventional investment financing
- Review rate, reserves, and prepayment terms together
From an option to a plan
Three things to bring.
A first conversation can help you understand the details before a full application.
02
Your income picture
How you earn, what documentation you have, and the monthly payments already in your budget.
03
Your funds
The down payment, reserves, and closing-cost budget you want to work with.
Program availability, terms, and eligibility depend on the lender and your complete application. This overview is not a commitment to lend.
A real person. A clear next step.
Let’s talk about DSCR.
Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.
Brandon MaughanUtah & Idaho · 8am–8pm MT
Keep the comparison open