DSCR Loans in Cache County, Utah
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 43 lenders made 158 investment-property loans in Cache County, 3.2% of Utah's total. Dominick Prevete arranges DSCR loans across Cache County, Utah, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $280,000.
Cache County investor market at a glance
| Statistic | Cache County | Utah | County rank |
|---|---|---|---|
| Investor loans | 158 | 4,901 | 8th of 9 |
| Reporting lenders | 43 | 256 | 8th of 9 |
| Loan volume | $48.8M | $2.10B | 8th of 9 |
| Average loan | $309K | $429K | 8th of 9 |
| Median loan | $255K | $345K | 8th of 9 |
| Purchases | 63.9% | 61.2% | 4th of 9 |
| Cash-out refinances | 12.0% | 17.0% | 8th of 9 |
| 2–4 unit properties | 13.3% | 8.7% | 3rd of 9 |
| Top five lenders' share | 47.5% | 30.5% | 1st of 9 |
| Reported business-purpose | 71.5% | 69.7% | 3rd of 9 |
Cache County: closed-end loans on 1–4 unit investment properties. Cache County's rank is highest first, among Utah's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cache County's investor loans.
What stands out in Cache County
The five most active lenders wrote 47.5% of Cache County's investor loans, the highest share of Utah's 9 counties with published data (statewide: 30.5%).
Five lenders write 47.5% of the loans here, so comparing written term sheets matters more.
12.0% of Cache County's investor loans were cash-out refinances, the 2nd-lowest share of Utah's 9 counties with published data (statewide: 17.0%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The median investor loan in Cache County was $255K, the 2nd-lowest median of Utah's 9 counties with published data (statewide: $345K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Cache County?
At HUD's fair market rent of $1,752 for a 3-bedroom in Cache County, Utah, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Cache County's median home value is $444,400; at that price the payment is $2,778 a month, so the property would need $2,800 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,265 / $1,752 / $2,104 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $444,400 |
| Median property taxes and effective rate | $2,011 (0.45% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,778 |
| Rent needed to cover that payment | $2,800 |
| Coverage of a 3-bedroom at fair market rent | 0.63 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $400,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Cache County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cache County?
The most active investment-property lenders in Cache County in 2025 HMDA data were Cache Valley Bank; THE LOAN STORE, INC.; and GUILD MORTGAGE COMPANY, out of 43 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Cache County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 158 loans and $48.8M from 43 lenders. Cache Valley Bank led Cache County with 27 loans, 17.1% of the county's total, and the average Cache County loan of $309K compares with $429K across Utah.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Cache Valley Bank | 27 | $10.1M | $374K | 66.7% |
| THE LOAN STORE, INC. | 18 | $4.8M | $264K | 66.7% |
| GUILD MORTGAGE COMPANY | 11 | $2.7M | $250K | 54.5% |
| Bank of Utah | 10 | $2.8M | $277K | 100.0% |
| United Wholesale Mortgage | 9 | $3.0M | $335K | 55.6% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | $2.4M | $294K | 62.5% |
| GOLDENWEST | 8 | $2.3M | $289K | 62.5% |
| KIND LENDING, LLC | 7 | $1.8M | $256K | 71.4% |
| Mountain America Federal Credit Union | 7 | $1.6M | $229K | 42.9% |
| AMERICA FIRST Federal Credit Union | 6 | $0.5M | $82K | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.0M | $253K | 25.0% |
| INTERCAP LENDING INC. | 4 | $0.9M | $235K | 75.0% |
| Glacier Bank | 3 | $0.7M | $235K | 66.7% |
| RANLIFE, INC. | 2 | $1.9M | $935K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | $0.8M | $425K | 50.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | $0.7M | $350K | 100.0% |
| NEWREZ LLC | 2 | $0.6M | $320K | 100.0% |
| Rocket Mortgage, LLC | 2 | $0.6M | $285K | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | $0.3M | $160K | 100.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | $1.8M | $1795K | 0.0% |
| OCMBC, INC. | 1 | $0.8M | $805K | 0.0% |
| LENDINGONE, LLC | 1 | $0.7M | $675K | 100.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | $0.6M | $585K | 100.0% |
| MORIA DEVELOPMENT, INC. | 1 | $0.5M | $495K | 0.0% |
| University Bank | 1 | $0.4M | $415K | 100.0% |
2 Utah loans (0%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cache County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Cache County CSV, all 25 lenders
What Cache County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cache County's fix-and-flip and bridge lenders barely appear among its 43 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Cache County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Cache County |
|---|---|---|---|
| Weber County, UT | 325 | 83 | Borders Cache County |
| Davis County, UT | 264 | 71 | About 55 miles away |
| Bannock County, ID | 148 | 46 | About 70 miles away |
| Summit County, UT | 193 | 82 | About 70 miles away |
| Bonneville County, ID | 171 | 53 | About 115 miles away |
| Twin Falls County, ID | 110 | 39 | About 155 miles away |
Run the coverage test on your Cache County, Utah deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cache County, Utah property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Cache County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 43 lenders and 158 loans: 2025 HMDA loan-level data rolled up to Cache County.
- Cache County investor-lender dataset (CSV) — All 25 lenders in the Cache County, Utah table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cache County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Logan, UT-ID MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cache County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.