Financing
Purchase financing
Buying is not only rate—it is occupancy, reserves, how the payment behaves if rent or income wobbles, and whether the next step is refinance, hold, or sell.
Use the cards below to jump into the scenario that matches what you are buying. If the deal is time-sensitive or needs bridge capital first, start with short-term capital instead.
When Utah mortgage execution truly fits, we keep paperwork scoped to what you already decided calmly.
Pick the lane that matches your deal
Mortgages & long-term financing
Conventional and long-term loans for homes you live in or stabilized rentals—when the purchase is meant to settle into a normal payment for years.
Typical: 30-year terms · full doc or investor paths
DSCR loans (investment purchase)
Qualify from the property’s rental income when you are buying to hold and the numbers need to stand on the asset, not only on personal W-2.
Income from rents · LLC-friendly options
How funding should match your exit
Short read on sequencing—when purchase capital should already anticipate refinance, sale, or partner buyout so you do not paint yourself into a corner.
Strategy before product