Residential investment financing across Utah’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.
Utah has been a top-five fastest-growing state by population for most of the last decade, anchored by Silicon Slopes tech employers (Adobe, Qualtrics, Pluralsight, Domo) along the Wasatch Front and a steady inflow of relocations from California, Texas, and the Pacific Northwest. Salt Lake City, Lehi, Provo, and Ogden form the core metro corridor; St. George and Washington County in the south have been a top-three U.S. metro for percentage growth several years running, fueled by retiree and remote-worker demand.
The state combines low effective property tax (0.55%), a flat 4.55% income tax, predictable landlord-tenant law, and persistently strong absorption. Salt Lake County rentals on $500K–$600K basis typically generate $2,200–$2,800/month; Ogden and Layton support better yield (5–6%) at lower basis. Construction activity is dominated by single-family, townhome, and small-lot infill across the Wasatch Front, with master-planned community development active in Utah County and Washington County.
We lend across Utah’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.
Every loan program we offer is available to qualified borrowers and properties in Utah.
Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.
Learn More30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.
Learn MoreAcquisition and renovation capital for value-add residential projects.
Learn MoreCapital for home builders to leverage their lot position and break ground on new residential projects.
Learn MoreFinancing for purpose-built rental communities and single-family rental developments.
Learn MoreLehi, Draper, and South Salt Lake County continue to absorb new single-family and townhome inventory. Builders working entitled lots in $500K–$700K price bands can pair ground-up construction financing with quick disposition. Silicon Slopes tech wages support sustained absorption above the statewide median.
Northern Wasatch Front (Davis and Weber counties) offers materially better yield than Salt Lake County. SFR acquisitions at $400K–$475K supporting $2,000–$2,400/month deliver 5–6% cap rates. Hill Air Force Base and a diversified employment base provide rental stability. DSCR loans on stabilized portfolios pencil cleanly.
Southern Utah captures a steady flow of retiree and remote-worker relocations. New construction, build-to-rent, and value-add fix-and-flip all work in the I-15 corridor. Bridge financing supports lot acquisition and entitlement work in this rapidly absorbing market.
Our team has deep experience financing residential projects across Utah. Reach out to discuss your next deal.
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