West Valley City, UT's Trusted Hard Money Lender for Real Estate Investors

West Valley City presents compelling investment opportunities across diverse property types. From multifamily conversions near TRAX stations to single-family renovations in established zones, investors who move quickly capture the best deals. Banks require 30 to 45 days minimum. That timeline costs you properties. Unitas Funding closes hard money loans in West Valley City in 10 business days, giving you the competitive edge to secure acquisitions while other investors wait.

Utah Lending Notice: Unitas Funding operates as a wholesale lender in Utah and accepts loan applications exclusively from licensed mortgage brokers. We do not accept direct borrower applications in this state. Licensed brokers serving West Valley City investors can contact us to establish lending partnerships. Real estate investors should connect with their licensed mortgage broker to access our loan programs and private loans for real estate investors.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding provides asset-based financing structured for real estate investment projects. Our West Valley City hard money lending focuses on property value and deal economics rather than personal credit scores. With $4.5 billion in institutional capital and over 10,000 funded transactions, we deliver the reliability serious investors require. Rates start at 8.99% with loan-to-cost leverage reaching 92.5% on qualified projects.

Fix & Flip Loans

Fix & Flip Loans

West Valley City's aging housing stock creates consistent fix-and-flip opportunities. Our loans fund both property acquisition and complete renovation budgets based on projected ARV rather than current condition. Whether updating a rambler in Granger or transforming a distressed property near Valley Fair Mall, we structure terms matching your construction timeline. Choose 12-month, 18-month, or 24-month terms. Interest-only payments preserve working capital during construction. Our draw approval operates on a 24- to 48-hour turnaround, keeping contractors paid and projects progressing.

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New Construction Loans

New Construction Loans

New construction projects require lenders with construction expertise and flexible capital. Unitas Funding finances single-family spec builds and small multifamily developments with draw schedules tied to construction milestones and inspections. Our team reviews your budget, timeline, and exit strategy before structuring terms. Draw requests receive 24 to 48 hour approval after inspection completion, ensuring contractors maintain momentum without payment delays.

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Bridge Loans

Bridge Loans

Bridge loans address timing challenges traditional financing cannot solve. Investors use our 6 to 12 month programs when they need interim capital while permanent DSCR financing processes, must close quickly on auction properties, or require short-term capital between dispositions. West Valley City investors leverage bridge loans to compete in bidding situations, stabilize properties before refinancing, and maintain deal flow momentum.

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DSCR Loans

DSCR Loans for Rental Properties

West Valley City's rental market supports cash-flowing properties across multiple price points. Our debt service coverage ratio loans qualify investors based on property rental income rather than personal tax returns or W-2 income. Whether acquiring single-family rentals in Hunter, small multifamily buildings near transit, or short-term rentals serving the metro area, DSCR financing eliminates traditional income documentation. We underwrite based on rental cash flow, operating expenses, and debt service coverage ratios.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Our $4.5 billion in funding history means we fund loans reliably regardless of market volatility. Licensed mortgage brokers partnering with Unitas access well-capitalized lending without sacrificing personalized attention. We understand West Valley City market conditions, property values, and neighborhood dynamics influencing deal success.

  2. More Ways to Say 'Yes' to Your Deal
    Traditional lenders apply rigid criteria rejecting deals failing standardized boxes. Our asset-based underwriting evaluates each project on specific merits. We analyze property ARV, renovation budget accuracy, comparable sales, market conditions, and investor experience to structure appropriate financing. This flexibility funds projects with unique characteristics or creative exit strategies conventional lenders automatically decline.

  3. Certainty from a Direct Lender.
    Unitas Funding owns the capital we lend and makes our own underwriting decisions. When we approve your application, that approval stands firm. No secondary committees. No last-minute funding surprises. Licensed brokers can present our commitments with complete confidence in our reliability.

  4. Faster Funding, Faster Draws
    Our loan processing closes transactions in 10 business days with complete documentation. Construction draw approval operates on a 24- to 48-hour turnaround after inspection reports. This responsiveness keeps projects moving, prevents contractor delays, and maintains momentum required to hit target completion dates.

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Get Pre-Approved in 24 Hours!

Licensed mortgage brokers can submit applications for West Valley City investor clients and receive pre-approval feedback within 24 hours. Our process emphasizes property analysis and deal structure rather than excessive documentation. Contact Unitas Funding to discuss how our hard money lending and private loans for West Valley City real estate investors support your clients' investment strategies.

Frequently Asked Questions

What types of investment properties do you finance?

Our West Valley City hard money lenders finance business-purpose real estate investments including single-family fix-and-flips, ground-up construction, multifamily properties (2 to 4 units), bridge financing, and DSCR rental properties. All borrowers must be business entities including LLCs, corporations, or partnerships. We do not provide consumer-purpose loans, financing to individuals, or loans for owner-occupied residences.

How quickly can you close on a West Valley City investment property?

Complete loan files close in 10 business days. Actual timeline depends on title performance, appraisal completion, and documentation completeness. We issue pre-approval letters within 24 hours of receiving applications, providing investors confidence when submitting competitive offers.

What are your loan-to-cost ratios for West Valley City fix-and-flip projects?

Qualified projects receive loan-to-cost ratios reaching 92.5%, covering acquisition and renovation. Actual LTC depends on borrower experience, project scope, property location, and market conditions. Our underwriting analyzes ARV accuracy, budget reasonableness, exit strategy clarity, and comparable sales. Experienced investors with conservative ARV estimates typically qualify for maximum leverage.

Do you require personal income verification for DSCR loans?

No. Debt service coverage ratio loans qualify on property cash flow rather than borrower personal income. Our underwriting evaluates rental income, operating expenses, and debt service coverage. We typically require minimum 1.0 DSCR ratios depending on property type and market. This eliminates personal tax returns, W-2 documentation, or employment verification.

What areas of West Valley City do you serve?

Our West Valley City hard money lenders finance investment properties throughout West Valley City including all neighborhoods. Our lending extends across Salt Lake County covering West Jordan, Taylorsville, Kearns, and Magna. We also fund projects throughout Utah including Salt Lake City, Sandy, Murray, Draper, South Jordan, Herriman, Lehi, Provo, Ogden, Park City, and St. George.

Ready to Fund Your Next West Valley City Real Estate Investment?

Unitas Funding delivers institutional capital strength, direct lending certainty, and rapid closing timelines to Utah's real estate investment community. Licensed mortgage brokers can contact our team to establish partnerships and submit applications for their investor clients. We provide competitive hard money loans and private loans for West Valley City real estate investors that close in 10 days.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.