Mortgage Capital Funding for Utah investors
Mortgage Capital Funding is a broker-only DSCR lender offering a no-ratio program alongside standard DSCR underwriting (0.75 minimum DSCR, 660 minimum credit score). Maximum LTV is 80% on loans up to $1,500,000 for borrowers with a 700+ credit score; overall loan size runs $150,000 to $3,000,000. The company does not publish rate or state-coverage 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 Mortgage Capital Funding positions in Utah
Within Utah, Mortgage Capital Funding competes alongside other DSCR lenders. Mortgage Capital Funding strengths: No-ratio DSCR program available, Broker-only origination. The medium aggregate DSCR economics of Utah create demand for Mortgage Capital Funding programs in Salt Lake City and Provo particularly.
City-level coverage in Utah
Mortgage Capital Funding 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. Mortgage Capital Funding 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 - $3.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Utah property tax | 0.6% |
| Utah state income tax | 4.85% |
Mortgage Capital Funding strengths in Utah
- No-ratio DSCR program available
- Broker-only origination
- 80% LTV up to $1,500,000 at 700+ credit score
- 0.75 minimum DSCR
Ideal borrower: Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.
FAQ
Likely; verify direct Utah coverage. Mortgage Capital Funding is based in an undisclosed location and operates in states not publicly disclosed.
Salt Lake City is the top investor market in Utah and is generally within Mortgage Capital Funding states not publicly disclosed footprint. Salt Lake City property tax follows the Utah state rate of 0.6 percent. Mortgage Capital Funding 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 Mortgage Capital Funding. Submarket variation within Provo matters for property selection.
Mortgage Capital Funding 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 Mortgage Capital Funding program.
Mortgage Capital Funding 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). Mortgage Capital Funding follows standard business-purpose loan structures.
Mortgage Capital Funding funds rental DSCR in Utah.
Utah allows standard DSCR prepay structures; Mortgage Capital Funding typically uses 3-5 year step down.
Mortgage Capital Funding typical close: Not publicly published.
Bottom line
For Utah DSCR borrowers, Mortgage Capital Funding is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Mortgage Capital Funding.