MoFin Lending for Utah investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Utah context
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion).
How MoFin Lending positions in Utah
Within Utah, MoFin Lending competes alongside other DSCR lenders. MoFin Lending strengths: Licensed in 34 states, Direct lender. The medium aggregate DSCR economics of Utah create demand for MoFin Lending programs in Salt Lake City and Provo particularly.
City-level coverage in Utah
MoFin Lending provides DSCR coverage across Utah metros including Salt Lake City, Provo, and St. George. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending program terms apply uniformly across Utah metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Utah property tax | 0.6% |
| Utah state income tax | 4.85% |
MoFin Lending strengths in Utah
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Utah. MoFin Lending is based in an undisclosed location and operates nationally.
Salt Lake City is the top investor market in Utah and falls within MoFin Lending national coverage. Salt Lake City property tax follows the Utah state rate of 0.6 percent. MoFin Lending typically underwrites Salt Lake City acquisitions at standard rate sheets.
Yes. Provo ranks among the larger Utah investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Provo matters for property selection.
MoFin Lending applies the same rate sheet across Utah metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Salt Lake City, Provo, and St. George all qualify for the same MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Utah low property tax. Strong job growth. Ski STR (Park City) and southern Utah STR (St. George/Zion). MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Utah.
Utah allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
MoFin Lending in Utah works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.