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Fix & Flip · Utah

Fix & flip loans in Utah — fund the deal, keep your cash.

Mortava fix & flip loans in Utah: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Utah is high appreciation plus strong ski-country short-term-rental returns. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Salt Lake City, Provo, Ogden and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Utah project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Utah projects with Mortava

In a market like Utah, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Salt Lake City, Provo, Ogden, St. George deals and recycle capital into the next project faster.

Salt Lake City’s growth economy supports long-term holds while ski-country submarkets deliver premium short-term-rental seasons. Utah rewards investors who underwrite each submarket on its own income profile.

Top metros we fund
Salt Lake City, Provo, Ogden, St. George
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

Flip-to-STR in Utah

Not every Utah flip has to sell. In short-term-rental markets like Salt Lake City, some investors renovate and then refinance into an STR / Airbnb DSCR loan on projected rental income — keeping the asset instead of paying to exit.

Guidelines reviewed July 2026 by the Mortava lending team.

Utah fix & flip loan FAQ

Can I get a fix and flip loan in Utah?
Yes. Mortava funds fix & flip projects across Utah, including Salt Lake City, Provo, Ogden, St. George. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Utah flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Utah.
Do you fund first-time flippers in Utah?
Yes — first-time flippers are welcome in Utah with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Can I flip into a short-term rental in Utah?
Yes — a common Utah exit is to renovate, then refinance into an STR DSCR loan on projected rental income instead of selling. Mortava finances both legs, which matters in short-term-rental markets like Salt Lake City.
Do you fund flips in Salt Lake City and Provo?
Yes — Salt Lake City, Provo, Ogden, St. George and every other Utah market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
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All Fix & Flip programs → DSCR loans in Utah → Instant quote & pre-qualify →
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