HARD MONEY LENDER UTAH

Yes, Loan Goat funds investor deals throughout Utah, including Salt Lake City, West Valley City, Provo, Orem and West Jordan, plus the smaller Wasatch Front and Utah County submarkets around them. We are a direct lender with in-house capital, so approval never depends on an outside party. Business-purpose, non-owner-occupied property is what we finance, and most files close in 5 to 7 days.

Speed is the product. Fix and flip files in Salt Lake County, West Valley City or West Jordan close in 5 to 7 days, and a clean bridge file can fund in as little as 3 days when the contract clock is tight. Send the purchase price, the renovation budget and the resale target. Because we underwrite the property, nothing waits on employment verification.

Student rentals are a normal file here. Rental property loans in Provo and Orem qualify through DSCR, which measures what the property collects rather than what you personally earn. That suits by-the-room leasing and the academic occupancy pattern of Utah County. Bridge money handles acquisition and reposition, then you refinance into longer-term rental debt with no penalty for leaving early.

Construction is one of our nine programs and suburban ground-up on the Wasatch Front is a routine request. Bring the lot, the plans, the budget and a realistic exit. Because the capital is held in house, draw decisions come from the same desk that approved the loan, which is what keeps a West Jordan build from stalling between funding stages.

Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.

The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.