Real reviews from international investors who closed with HomeAbroad
★★★★★
“Quick response, reliable & trustworthy. HomeAbroad helped me find the perfect agent & purchase my investment property in Katy, TX. Would definitely recommend!”
RM
Rashmi Mayekar
Non-US Resident Investor • Property
★★★★★
“HomeAbroad was a game-changer! They helped me get mortgage financing and find an agent who understood my needs. I couldn’t be happier with their assistance.”
SP
Steve Papadakis
Newcomer on H1-B Visa
★★★★★
“Awesome experience in working with them. Very patient in understanding my needs as an investor and helped me with the correct loan product for me. I will recommend them and use them again.”
JB
John Bolla
Investor from New York, NY
★★★★★
“Jonet from HomeAbroad answered all my questions regarding specifics for work visa holders to purchase our first investment property in Tampa. Was patient and kind and also connect me with a real estate agent.”
Ok
Okissa
Purchased Investment Property in Tampa.
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Valid Passport
Current passport from your home country
💰
Proof of Funds
Bank statements showing down payment + 6 months reserves
Did you know Utah has the youngest population of any US state? Combine that with a booming tech sector, nicknamed the “Silicon Slopes,” and you have a strong rental market driven by job growth, migration, and high demand.
For foreign investors, this makes Utah an ideal place to generate consistent rental income. And with HomeAbroad’s DSCR loan, you don’t need a US credit score, tax returns, or even a visa to qualify. The property’s rental income speaks for itself.
Whether you’re considering a ski-town rental in Park City, a student-friendly fourplex in Provo, or a long-term single-family home in Salt Lake City, Utah, offers strong rental yields and long-term growth, especially for foreign nationals using HomeAbroad’s DSCR loan.
DSCR Loan Utah Snapshot
No US Credit History
US Income and Credit History Not Required
Minimum Down Payment
25%
Maximum Loan Amount
$10M
Fast Track Closing
27 Days
DSCR Loan Utah Program Terms
Feature
HomeAbroad DSCR Loan
DSCR Ratio
Best terms typically apply at DSCR ≥ 1.0. If DSCR is below 1.0, the loan may still be eligible with a higher down payment. Our No-Ratio DSCR option (DSCR 0 to 1) can support foreign national investors buying properties with clear income upside, even when the property’s rent does not fully cover the monthly payment.
US Credit Score
Not required for foreign nationals
Loan Amount
$100K – $10M
Down Payment
25%
LTV
Up to 75% (Purchase) Up to 75% (Rate and Term Refi) Up to 70% (Cash-Out Refi)
Cash Reserves
6 months
Where We Lend DSCR Loans in Utah
With HomeAbroad, investors can access DSCR loans throughout Utah, including strong rental hubs such as Salt Lake City, Provo, St. George, and others. Here are a few cities where we lend DSCR Loans in Utah.
Salt Lake City
Park City
Cedar City
Provo
West Jordan
Sandy
Ogden
St. George
Orem
Lehi
Murray
Taylorsville
Utah Investment Properties On Sale
Build wealth with HomeAbroad DSCR loans across Utah’s top markets.
Our streamlined digital process gets you from application to funding faster than traditional lenders.
1
Get Pre-Qualified
Submit a quick online application. No credit pull required for initial quote.
⏱ 5 minutes
2
Submit Documents
Upload property details, lease agreements, and basic ID verification.
⏱ Same day
3
Property Appraisal
We order an appraisal and a rent schedule to confirm DSCR qualification.
⏱ 5–7 days
4
Close & Fund
Sign closing documents and receive your funds. Remote closing available.
⏱ 27 days total
Why Investors Choose HomeAbroad
DSCR Loan Experts
We focus on DSCR investor loans. Expect clear cash flow math, rent documentation, and underwriting that reflects how rental properties are evaluated.
Foreign National Mortgage Experts
No US credit? No problem. At HomeAbroad, our expert loan officers can still qualify you for a DSCR loan. We do not rely on US income or tax returns to underwrite your loan.
AI-Powered Property Search Platform
Our investment property search helps you shortlist rentals that fit DSCR qualification. Screen for rent strength, yield, and investor criteria before you write the offer.
End-to-End Support
We keep the process moving, from LLC formation to bank accounts, insurance to property management. Everything is handled by us so you can focus on growing your portfolio.
In Utah, we often see international investors hesitate because they assume financing depends on US residency or a long-established credit profile. HomeAbroad’s DSCR loan changes that by shifting the focus to whether the property itself can support the monthly ownership costs.
This structure gives foreign nationals more flexibility to act when opportunities arise. Instead of delaying a purchase to build US income or credit history, investors can assess Utah rental properties on performance and move forward when the cash flow works.
How DSCR is Calculated?
DSCR underwriting starts with a simple formula:
What counts as “Gross Rental Income” for DSCR Underwriting
Market rent supported by the appraisal rent schedule (commonly used for 1 to 4-unit rentals)
Executed lease rent, when acceptable to the lender and consistent with market support
What is included in PITIA
Principal
Interest
Taxes (Utah property taxes and applicable assessments)
Insurance (including wildfire-related costs where relevant)
Association dues (HOA), if applicable)
A Quick Example
Calculating the DSCR ratio for a Utah Property:
Avg. Home Price in Utah: $523,712
Avg Short-term Rental Income: $3,453
Loan Term: 30 Years
Interest Rate: 7.1%
Monthly Mortgage Payment(PITIA):$2,974
DSCR: $3,453 ÷ $2,974
DSCR: 1.16
Monthly Positive Cash Flow: $479
A DSCR of 1.16 shows that the property’s rental income comfortably covers its monthly ownership costs, generating approximately $479 in positive cash flow. This level of coverage typically supports DSCR qualification while providing a buffer for normal operating fluctuations.
However, we understand that not every property's rental income will meet this threshold, which is why we also offer our No-Ratio DSCR Program for properties with a DSCR between 0 and 1. With the No-Ratio program, you can still secure financing, although it will require a slightly larger down payment (a 5% reduction in LTV) and a higher interest rate. This option is ideal for investors with a strong long-term strategy who want to acquire properties that may not immediately generate a 1.0 cash flow ratio.
Benefits of DSCR Loans in Utah
DSCR loans offer several advantages for foreign nationals investing in Utah:
Qualification Based on Rental Income, Not Personal Income Documentation
At HomeAbroad, we do not rely on US W2s, US paystubs, or US tax returns to qualify a foreign national DSCR loan. We qualify you primarily on the property’s rental income profile and the strength of your overall file.
Faster Closing Times
DSCR loans can move quickly when the property, rent support, and documentation are straightforward. Appraisal and rent schedule timing still matters, especially in competitive Utah markets. At HomeAbroad, we can close your deal in as few as 27 days.
Scale Your Portfolio Faster
International real estate investors like DSCR lending because it creates a repeatable qualification approach across multiple properties. When you understand how rent, PITIA, and reserves will be evaluated, it becomes easier to screen deals before you write offers.
Foreign National Friendly
DSCR loan is one of the best mortgage options for foreign nationals, who often face friction with conventional underwriting. DSCR lending is commonly used to reduce that friction because the property performance drives the qualification logic.
“Once rent support and full ownership costs are clearly documented, DSCR underwriting becomes very linear. There are fewer subjective checks, which is why clean DSCR files tend to move faster than income-based loans.”
How HomeAbroad Helped an International Investor Get a DSCR Loan in Utah
HomeAbroad worked with an international investor based in UK who was purchasing a long-term rental property near Park City. The investor did not have US income or a US credit history and wanted financing that relied on the property’s cash flow rather than personal documentation.
Using HomeAbroad’s DSCR loan, the deal was underwritten entirely on rental income, allowing the investor to move forward without traditional financing roadblocks.
Property Details:
Location: Tampa Property Value: $375,000 Monthly Rental Income: $3,168
Loan Details:
Loan Amount: $281,250 Down Payment: 25% ($93,750) Interest Rate: 7.1% Loan Term: 30 years Monthly Mortgage (PITIA): $2,360
A 1.34 DSCR placed this deal well above minimum thresholds, allowing the loan to be structured conservatively while still generating $808 in monthly surplus. Based on deals we’ve closed, ratios in this range tend to remain stable even as taxes, insurance, or market conditions shift.
Utah Rental Market Overview
Utah’s rental market is supported by rapid population growth, a young workforce, and sustained in-migration along the Wasatch Front. Strong job creation in technology, healthcare, and education keeps renter demand elevated across both urban and suburban markets, supporting consistent absorption throughout the state.
As per our data, the key market statistics for 2025 are:
Median gross rent in Utah: approximately $1,750/month
Median value of housing units: around $519,866 statewide
Median selected monthly owner costs with a mortgage: $1,927
Owner-occupied housing unit rate: 69.6%
The reason this matters is deal durability. In Utah, rental demand is tied less to short-term cycles and more to employment and population fundamentals. In our experience, that stability allows DSCR-backed investments to rely on consistent rent support rather than aggressive growth assumptions, which is especially relevant for foreign nationals entering the US market.
Top Places to Invest in Utah with a DSCR Loan
Utah offers a stable and growing rental market supported by population growth and steady employment across several key cities. Rental demand remains consistent across both urban and suburban areas, making the state attractive for income-focused real estate investment.
Here are some top cities in Utah for international real estate investors to consider for their next successful DSCR loan investment:
The investment properties shown below are pulled from the HomeAbroad property-search platform and can change daily. Review each listing’s rent assumptions, cash flow, and DSCR inputs before you underwrite an offer.
City
Rental Type
Rental Yield
Park City
Short-Term
9.2%
Salt Lake City
Short-Term
7.4%
St. George
Long-Term
4.3%
Provo
Long-Term
3.9%
Park City: High-End STR Market with Strong Revenue Density
Park City attracts year-round demand from ski tourism and luxury travelers, supporting high nightly rates and reliable occupancy during peak seasons.
Median Home Price: $1,509,057
Average Rent: $3,228/month
What this means for investors: Steady appreciation, strong tenant demand, and the perfect setup for DSCR-based qualification thanks to consistently high rental income.
Investment Properties Listed Today on Sale in Park City
Salt Lake City anchors Utah’s rental market with a diverse job base, steady in-migration, and consistent demand near downtown, transit corridors, and university areas.
Median Home Price: $559,279
Average Rent: $1,552/month
What this means for investors: High rents paired with a stable economy make it easy to meet DSCR thresholds, even for foreign nationals without US income or credit history.
Investment Properties Listed Today on Sale in Salt Lake City
Known for its warm climate and proximity to national parks, St. George attracts retirees and outdoor lovers alike. Its growing population and low competition make it a solid market for long-term rental investments.
Median Home Price: $511,457
Average Rent: $1,875
What this means for investors: Lower property prices and reliable tenant demand make St. George a good fit for long-term investors aiming for stable monthly income and DSCR qualification.
Investment Properties Listed Today on Sale in St. George
Home to BYU and a growing tech presence, Provo blends student housing demand with rising interest from young families and professionals. It’s a well-rounded market for steady, long-term rental income.
Median Home Price: $473,355
Average Rent: $1,560
What this means for investors: With consistent demand and a built-in tenant base, Provo supports long-term cash flow, making DSCR loan qualification more predictable and manageable.
Investment Properties Listed Today on Sale in Provo
Utah Specific DSCR Underwriting Factors that Investors Overlook
Land Use and Zoning Restrictions
Cities like Salt Lake City and Provo allow long-term rentals broadly, but short-term rentals are far more controlled. What we see often is investors underwriting STR income before confirming zoning or licensing, only to discover caps on nights, permit requirements, or restricted zones in tourism-heavy areas. DSCR approval relies on legally permitted use, not projected income
Taxes and Withholding for Foreign Owners
Utah has a flat state income tax, but foreign investors should also account for federal tax obligations, including FIRPTA (Foreign Investment in Real Property Tax Act). HomeAbroad can help coordinate with tax professionals to ensure you’re set up correctly from day one.
Seasonal Rental Demand and Economic Anchors
Utah’s rental income can fluctuate based on seasonality, especially in ski towns like Park City or college towns like Logan. However, steady demand from universities, hospitals, and a growing tech sector helps balance those seasonal dips. Understanding your property’s local rental cycle is key to maintaining strong DSCR ratios.
“In Utah, the deals that close smoothly are the ones where investors validate insurance, taxes, and HOA dues before relying on a DSCR estimate. Rent is usually predictable here. Expenses are what move the ratio.”
Strategic & Future Considerations for Foreign Nationals Investing in Utah
Utah is quietly emerging as a high-potential market for foreign real estate investors. Strong population growth, business-friendly policies, and expanding infrastructure are shifting demand beyond Salt Lake City and into neighboring counties. For investors looking at long-term opportunities, Utah offers both stability and upside.
Below are key considerations international real estate investors should keep in mind when investing in Utah real estate:
1. Tech and Talent Migration
Utah is becoming a magnet for tech companies and remote workers, especially in the “Silicon Slopes” area between Salt Lake City and Provo. As high-paying jobs cluster in these regions, demand for quality housing, especially rentals, continues to rise. Investors targeting these zones are well-positioned for both rent growth and equity appreciation.
2. Salt Lake City’s Urban Redevelopment Push
The capital is undergoing major zoning changes and mixed-use redevelopment projects aimed at increasing density and walkability. This opens opportunities in multi-family and smaller urban infill properties, especially near TRAX lines and commercial corridors. Staying ahead of zoning changes can give investors a first-mover advantage.
3. Energy Efficiency and ESG Appeal
Utah is increasingly emphasizing sustainability in new developments. Properties with energy-efficient features (solar panels, smart HVAC, EV charging) are more attractive to both renters and future buyers. They may also qualify for local incentives, which can improve your net return.
4. Exit Strategy and Tax Planning:
Foreign nationals should consider long-term tax implications, capital gains treatment, and possible use of 1031 exchanges through entities. Structuring your investment with an LLC or trust from the start can streamline future exits.
Utah DSCR Loan FAQs
Can foreign nationals apply for DSCR loans in the state of Utah?
Yes, foreign nationals can apply for DSCR loans in Utah through HomeAbroad, eliminating the need for a US credit score, making it a flexible financing option for global investors.
What are the interest rates for DSCR loans in Utah?
DSCR loan interest rates vary based on market conditions, borrower profiles, and property type, but are typically higher than conventional loan rates. However, HomeAbroad offers competitive rates that enable investors to leverage property cash flow to achieve better returns.
Can I buy an investment property in Utah while living in another country?
Yes. Foreign nationals can purchase Utah investment property without being physically present in the US. HomeAbroad supports remote DSCR loan closings, allowing the entire process to be completed while you’re abroad.
How long does it take to get a DSCR loan in Utah?
At HomeAbroad, we streamline the application process to ensure a smooth experience from loan application to closing. We guarantee that the closing will happen within 30 days.
About the author:
Steven Glick is the Director of Mortgage Sales at HomeAbroad and has over a decade of experience in the mortgage industry. As a licensed mortgage originator (NMLS# 1231769), Steven brings deep expertise in loan processing, sales operations, and non-traditional mortgages.
* Scenario-based rate shown for illustrative purposes. Reflects current pricing available to qualified borrowers with strong credit, low loan-to-value, qualifying DSCR, and selected loan terms. Actual rates vary by borrower, property, and market conditions. Not a commitment to lend. Foreign national DSCR pricing may differ from U.S. borrower programs.
Why Choose Us
Built for Foreign Real Estate Investors
HomeAbroad is a one-stop shop for global investors, from finding properties to securing financing, setting up your LLC, opening a US bank account, and managing your portfolio.
🌍
Foreign National Mortgage Experts
No US credit history, income, or residency required. We've helped thousands of international real estate investors finance Utah real estate.
🤖
AI–Powered Property Search
Our investment property search platform helps you discover high-yield rentals across Utah using smart algorithms.
⌚
Fast Digital Process
Close in as fast as 27 days with our streamlined application, remote notarization [remote closing], and digital document signing.
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500+ Expert Agents
Work with our network of experienced real estate agents who specialize in investment properties across Utah.
Ready to Get Started?
Get your personalized rate quote in minutes. No credit pull, no obligation.
48
States We Lend In
27 Days
Average Close Time
500+
Partner Real Estate Agents
4.9 Star
Customer Rating
Pre-qualify for a DSCR Loan as an international investor
No U.S. credit history. No personal income verification. Qualify based on property’s rental income.
