Park City · Deer Valley · Moab · St. George · UtahsCondoHotelLender.com
Specializing exclusively in condo-hotel financing across Utah's most iconic ski and adventure destinations. Non-QM programs for self-employed buyers. 3-Year buydown structures. Strategic lease income strategies to cash-flow your first three years of ownership.
Condo-hotels are a specialty financing niche — most lenders won't touch them. We specialize exclusively in these properties, with programs for every buyer profile: traditional W-2, self-employed, or investment-focused.
A temporary buydown allows borrowers to reduce their effective monthly payment for a limited period by depositing a lump-sum subsidy into a buydown escrow account at closing. Each month, funds are released from escrow to cover the difference between the reduced payment and the full note rate payment. The actual note rate and your obligation to the lender never change — the escrow subsidy bridges the gap. Buydown funds can be provided by the seller, builder, or lender — and on many Park City and Deer Valley condo-hotel properties, seller-paid buydowns are negotiable, effectively transferring the cost to the seller at closing.
With a 3-2-1 buydown, your rate is reduced 3% in Year 1, 2% in Year 2, and 1% in Year 3 — then your permanent note rate applies from Year 4 onward. This gives you maximum cash-flow relief in the early years while your STR rental income ramps up and your property appreciates.
| Year | Interest Rate |
3-2-1 Buydown | Payment Received by Lender |
|
|---|---|---|---|---|
| Payment by Borrower |
Payment From Escrow |
|||
| 1 | 3.875% | $3,009.52 | $1,194.82 | $4,204.34 |
| 2 | 4.875% | $3,386.93 | $817.41 | $4,204.34 |
| 3 | 5.875% | $3,785.84 | $418.50 | $4,204.34 |
| 4–30 | 6.875% | $4,204.34 | $0 | $4,204.34 |
| Total Buydown Escrow Deposit at Closing | $29,169 | |||
Self-employed? Can't qualify on tax returns? Our Non-QM programs use 12–24 months of bank statements to document income. No W-2s required. Designed specifically for entrepreneurs and business owners purchasing condo-hotel properties.
Self-Employed SpecialistsFor buyers who qualify on traditional documentation, we offer competitive conventional and jumbo loan products tailored to condo-hotel properties. We navigate the unique HOA and warrantability requirements that most lenders can't handle.
Traditional DocumentationQualify based on the property's rental income potential, not your personal income. Ideal for investors adding a ski or resort condo-hotel to their portfolio. We calculate projected nightly rental revenue against your debt service ratio.
Rental Income QualifyingMany lenders decline condo-hotels outright. We've built lender relationships that specifically approve the resort and ski properties in Park City, Deer Valley, Moab, and St. George — including non-warrantable projects.
Resort Property ExpertsEvery property below is a verified condo-hotel eligible for specialized financing. Get pre-qualified with us, then we'll connect you with the listing realtor.
Black Rock Mountain Resort and Black Rock Ridge are standout condo-hotel values near Park City — nightly rental zoning, Onyx Club access, and entry prices well below Deer Valley. Ideal for Non-QM and DSCR buyers. An NHL-sized ice rink & event center opened fall 2025, boosting rental demand year-round.
Formerly Black Rock Luxury Condos — 197 condo-hotel residences with nightly rental zoning. Mostly 2BR (~1,300 sqft) plus 3BR penthouses (~2,000 sqft) with lock-out options. Onyx Club access (pool, hot tubs, sauna, bar/restaurant). NHL ice rink & event center opened fall 2025, driving year-round occupancy.
151 ski condos — studio to 2BR — with the best price-per-foot in Canyons Village. Immediate access to lifts, restaurants, concerts, and year-round activities. Full resort amenities including ski valet and pool.
63 modern mountain townhomes at the base of Canyons Village — highest elevation real estate at Canyons. Ski-in/ski-out with 3–5BR layouts (2,000–3,800 sqft). Designed by the architects of Stein Eriksen Residences.
86 private condominium residences — studio/1BR suites (500–1,200 sqft) plus Governor, Presidential & Penthouse suites (1,350–1,800 sqft) and standalone Cottages with private hot tubs. Part of the Marriott Autograph Collection. Golf course and mountain views, Ruth's Chris Steak House on-site.
True ski-in/ski-out community with an on-site chairlift, private ski lockers, restaurant, and front desk service. Open-air plaza with live music. Walking distance to Old Town Main Street via Town Lift.
Mid-mountain ski-in/ski-out via a private exclusive tower and ski lounge. Access to North America's largest ski resort. Summer hiking/biking steps from your door, Old Town shopping a quick ride away.
Heart of Canyons Village on hole #13 of the golf course. Panoramic Park City Mountain Resort views with Cabriolet ski gondola steps away. Designed by the Mark25 team — same developer as Black Rock Ridge.
Award-winning resort at the base of Canyons Village — steps from the Cabriolet ski lift and Red Pine Gondola. 300+ residences from studio (360 sqft) to 4BR villas (4,500 sqft). Utah's largest indoor/outdoor heated pool. Edge Steakhouse (Best Restaurant in Utah), Serenity Spa (Best Destination Spa). Full and fractional ownership available.
Hilton-branded all-season resort within Canyons Village — 100 ft from the new Sunrise Gondola (installed 2025). Studios and suites with full kitchens, outdoor pool and hot tub, fitness center, and free shuttle to Main Street.
Montage Hotels' Pendry brand — the newest luxury addition to Canyons Village (opened Jan 2022). 153 ski-in/ski-out full-ownership residences adjacent to the Sunrise Gondola and Pendry Ski Beach. Only rooftop pool and bar in the area. Spa Pendry, KITA Japanese Steakhouse, Dos Olas Mexican, Après Pendry lounge, Pool House restaurant, valet, ski valet, Peloton/Tonal fitness. 12-ft ceilings, floor-to-ceiling windows.
Ranked #4 Best Resort in the World by Condé Nast Traveler. USA's Best Ski Hotel by World Ski Awards. 170 condos (studio–4BR, 330–2,000 sqft) with Viking appliances, granite, jetted tubs, steam showers, fireplaces, lock-out capability. Steps from Frostwood Gondola. $60M expansion underway. Golden Door Spa, Powder restaurant, full concierge, heated underground valet. Hilton-operated. STR program available.
AAA Four-Diamond ski-in/ski-out condo-hotel in three alpine lodge buildings — 85 full-ownership condos (1–4BR, 680–2,875 sqft). Sub-Zero refrigerators, Wolf range, Asko dishwasher, handcrafted stone fireplaces, carved maple hardwood, 9-ft vaulted ceilings. Adjacent to Sunrise Gondola with three lifts within walking distance. Escala Provisions Company restaurant. Originally Hyatt Escala Lodge (2009), converted to Centric brand in 2016.
84 ski-in/ski-out full-ownership luxury residences immediately next to the high-speed Sunrise Gondola — one of the most precisely positioned ski properties in Park City. Direct seamless access to Park City Mountain Resort. Contemporary mountain design across three named lodges (Wasatch, White Pine, Uinta). Full hotel amenities with STR program available.
Slopeside RockResort at the base of the Flight of the Canyons Gondola and the Orange Bubble Express Chairlift — step out the door onto the lift. Full-ownership AND 13-week fractional share options. Located directly at the Canyons Forum for year-round dining, concerts, and après-ski. Fractional shares make entry very accessible.
Trendy, stylish, amenity-rich full-service condo-hotel right on Park City's iconic Main Street. Walk to galleries, restaurants, Sundance Film Festival venues, and the Town Lift for ski access to Park City Mountain Resort. Prime location for STR income year-round from Sundance Film Festival, summer concerts, and ski season.
Premier ski-in/ski-out condo-hotel in historic Old Town Park City. Grab skis and step directly onto the Town Lift for Park City Mountain Resort. Walk to Main Street shops, galleries, and restaurants. Units from cozy 1BR condos to a 5BR luxury penthouse on the top floor. Views of Deer Valley, Old Town Park City, and Treasure Hill.
The most budget-friendly condo-hotel buy in Canyons Village. Modern, smartly designed studio and micro-units with efficient floor plans and full resort access. Cabriolet lift nearby. Planned future gondola stop nearby under Canyons Village Master Plan. Ideal entry-level investment for first-time condo-hotel buyers.
Deer Valley East Village (formerly Mayflower Mountain Resort) is the largest ski resort expansion in North American history — nearly doubling Deer Valley's terrain to 5,726 acres. The Grand Hyatt opened Thanksgiving 2024. Four Seasons, Waldorf Astoria, and Cormont are coming. Early buyers are already seeing appreciation. All properties below qualify for Non-QM, DSCR, and 3-2-1 Buydown programs.
First hotel & residences completed at East Village — opened Thanksgiving 2024. 55 private condo-hotel residences (1–4 BR) atop 387 hotel rooms. Ski-in/ski-out with Jordanelle Reservoir views, year-round heated pool, ski valet, 60,000+ sqft conference space driving off-season rentals. Lock-out options available.
~400 entry-level condominiums — majority studio units — steps from the Jordanelle Express Gondola and the future Pioche Hotel and Velvaere Wellness Center. Most affordable East Village buy-in. Ideal for DSCR investors seeking yield at a lower price point in this explosive corridor.
For the first time, Four Seasons invites ownership at Deer Valley. Service-rich lifestyle with private ski concierge, world-class spa, and immersive pool facilities at East Village. New construction, ski-in/ski-out, with the Four Seasons brand guarantee of service and resale value.
~300 unbranded luxury condominiums with 1–4BR floorplans. Larger residences with private elevator access. Outdoor pools, fitness centers, and resort amenities. Located within the East Village village core — ideal for buyers wanting the East Village location at a below-branded price point.
Unique ski-in/ski-out gated wellness community with 115 luxury homes, cabins, and townhomes. State-of-the-art wellness features built into every residence. Steps from the Velvaere Wellness Center and Jordanelle Express Gondola. Some completed townhomes available now.
Master-planned lakeside community on 93 acres (65%+ open space) directly across Hwy 40 from Deer Valley East Village. Mix of twin townhomes and 3BR stacked condos (1,577–1,584 sqft) with Viking appliances, underground parking, and elevator access. Pedestrian underpass to the new mountain.
Utah's only AAA 5-Diamond & Forbes 5-Star hotel — a true landmark built 1981–83. 65 condo units (2–5BR, 1,300–5,000 sqft) with lock-out configurations for maximum rental income. 23,000 sqft spa, slopeside ski access (chairlift 75 ft away), heated pool, Glitretind Restaurant. Owners own the management corporation — 40% rental splits to owners. Rarely listed.
Contemporary ski-in/ski-out development (2015–16) with 39 condos (2–5BR, 2,100–5,000 sqft) and 15 homes (4–6BR, 5,400–8,200 sqft). Direct ski access via Silver Dollar trail and Last Chance run. Infinity pool, on-site spa, splash pad, ski valet, restaurant, lock-and-leave management. Complimentary shuttle to Main Street.
AAA Four-Diamond resort — voted 'Best in the United States' by Travel & Leisure 2024. Now managed by the Stein Collection. 46 full-ownership condos + fractional 1/6th shares (2–4BR, 1,376–2,956 sqft). Steps from Deer Valley skiing. Lock-out options for rental flexibility, gourmet dining, 24-hr concierge, heated pool.
Newest boutique hotel-residence development in Upper Deer Valley operated by Auberge Resorts — one of the world's premier luxury hotel brands. European alpine charm reimagined with contemporary mountain luxury. Immediate access to Deer Valley's Silver Lake Village shops, dining, and mid-mountain lifts.
Family-friendly condo-hotel with full kitchens, heated pool, and complimentary hot breakfast buffet during ski season. 1–3BR condos managed by Deer Valley Resort. Après-ski, fitness center, and easy Snow Park Lodge shuttle access. Excellent rental income property for investors targeting family market.
Managed by Deer Valley Resort — mountain-inspired 1–4BR condos with full kitchens, fireplaces, and private outdoor hot tubs. Complimentary hot breakfast buffet in ski season, family heated pool with water slide, yoga classes, massage rooms, and private apres-ski. Walking distance to The Brass Tag restaurant.
The crown jewel of Lower Deer Valley — nestled slopeside directly adjacent to Snow Park Lodge and Deer Valley's legendary ski school. Summer Concert Series views from your balcony. Most sought-after Lower Deer Valley address. Premium rental income from families at ski school.
The crown jewel of Empire Pass — a premier high-end resort with ski-in/ski-out access and extensive amenities including multiple restaurants, a world-class spa, multiple pools, fitness center, kids programs, and concierge. One of the most comprehensive resort experiences in North America. Nightly rental program through Montage hotel management.
Three alpine lodges with 49 luxury residences and penthouses on the last, best ski-in/ski-out parcel in Empire Pass. Adjacent to Montage Deer Valley. Extraordinary finish quality — hand-crafted tiles, locally sourced stone, white oak hardwood. Talisker Club membership option provides access to Tower Club, Tuhaye golf, and private amenities.
55 ski-in/ski-out luxury residences in two slopeside buildings steps from the Silver Strike Express Lift. Premium mountain views across Empire Pass. Full resort amenities. Option to join the Talisker Club for access to the Tower Club and Tuhaye golf course. Strong STR rental demand year-round.
The pinnacle of Deer Valley condo-hotel living — AAA 5-Star/5-Diamond. 1–6BR residences (984–6,829 sqft) with private funicular to Snow Park Lodge. Private ski valet, butler service, world-class St. Regis Spa, private ski concierge, three onsite restaurants, and Jordanelle Reservoir views. One of the most prestigious addresses in North American skiing.
New construction condominiums within the exclusive gated Deer Crest community — ski access via the Mountaineer Lift. Spacious floor plans, prime ski access, and incredible Jordanelle Reservoir and mountain views in the same exclusive neighborhood as the St. Regis. One of the few remaining new-build opportunities inside Deer Crest.
Moab's proximity to Arches and Canyonlands National Parks drives extraordinary year-round visitor volume. These are true condo-hotel investment plays — all benefit from Non-QM, DSCR, and 3-2-1 Buydown programs.
Curio Collection by Hilton hotel with condo residences adjacent to Arches National Park and Canyonlands. Year-round tourist destination with extreme rental demand. Perfect investment property.
Boutique resort residences in the heart of Moab's adventure corridor. Exceptional short-term rental income from mountain bikers, hikers, and national park visitors year-round.
Eco-resort residences with Colorado River views and immediate access to world-famous mountain biking trails. Hotel management program generates strong nightly rental income.
St. George is Southern Utah's fastest-growing market. Properties here are nightly-rental zoned and benefit from 300+ sunny days per year. Las Palmas Resort is the most established buy-and-rent play with 30+ years of STR history. Desert Color is the highest-growth new-build play. Freedom Village is one of the very few communities in Washington County with overnight vacation rental zoning locked in — a rare asset.
St. George's signature resort lagoon community — largest private body of water in the area with 2.5 acres and a ½-mile white sand shoreline. Multiple vacation rental-approved products including condos, townhomes, and casitas (1–5BR). Access to 2 resort pools, 3 hot tubs, 6 pickleball courts, kayaking, and paddleboarding. 45 min to Zion, 25 min to Snow Canyon.
Brand-new 2025 modern resort community within Desert Color — smart-home technology, designer finishes, lazy river pool, 24/7 fitness center, zen spa, and private balconies or patios throughout. Studio–3BR layouts (417–1,349 sqft). Vacation rental-approved and situated adjacent to Desert Color's lagoon amenities.
St. George's most established STR resort — 339 condos built since 1983, loved by families, golfers, and snowbirds for 30+ years. 1–4BR condos ($165K–$500K) fully approved for nightly/weekly rentals. 6 pools (1 indoor heated year-round), 4 hot tubs, waterslide, splash pad, pickleball, basketball, mini golf, fitness center.
One of Washington County's very few communities with locked-in overnight vacation rental zoning — an extremely rare and valuable asset in Southern Utah. 49-home community of townhomes and condos centered around a beautiful pool and play area. Managed by Freedom Vacation Rentals on-site. 8 miles to Sand Hollow (ATVs, boating), 39 miles to Zion.
Utah's newest PGA Tour-level golf resort with luxury condo-hotel residences. Year-round warm climate, 300+ sunny days, and immediate access to Zion, Bryce Canyon, and the Grand Canyon drive outstanding occupancy.
Luxury resort community adjacent to Snow Canyon State Park — one of Utah's most dramatic red-rock landscapes. Coral Canyon golf access. Short-term rental demand driven by Zion National Park visitors, golf travelers, and warm-weather snowbirds.
Upscale townhome community on the Virgin River Trail corridor. Granite countertops, fireplaces, built-in entertainment centers, garden-style tubs. Resort-style amenities: 24-hr spa with sauna & steam room, year-round hot tub, pool with kids splash area, fitness center, off-leash dog park. Popular short-term rental option.
Vibrant new modern townhome community in the heart of St. George with nightly rental use approved. Spacious 2–3BR layouts with contemporary designer finishes. Prime location near shopping, dining, outdoor recreation, and entertainment.
Conveniently located vacation-friendly condo community near Dinosaur Crossing Shopping Center. Multiple pools, hot tub, BBQ areas, clubhouse with fitness center and billiards. 1–4BR floor plans. Minutes from hundreds of hiking trails and a reasonable drive to Zion, Grand Canyon, and Las Vegas.
Well-established condo development at the corner of Valley View & W Indian Hills Drive frequently used for short-term rentals. Spacious 2–3BR apartments and townhomes with resort-style community amenities. Well-maintained, quiet, and professionally managed. One of St. George's most consistently occupied vacation rental communities.
A true condo-hotel with individual King Suite and kitchenette units sold to private owners with on-site management. Porte-cochere lobby, private outdoor pool, shaded Jacuzzi, BBQ area, fire pits, guest laundry, business center, and complimentary breakfast. Full renovation completed 2025. Exclusive owners lounge. Strong occupancy from I-15, Zion corridor, and Dixie Tech University.
Southern Utah's premier gated golf community — 8 distinct neighborhoods surrounding a 7,200-yard championship course (Matt Dye design, Golf Digest Top 25). Three STR-approved subdivisions: The Fairways, The Escapes (nightly rental managed by LVR at $199–$590/night), and Sand Cove. Snow Canyon State Park and Red Cliffs National Conservation Area on your doorstep.
Wyndham-branded timeshare resort in the Green Valley area with 24-hour front desk, outdoor pools with hot tubs, 3–4BR well-equipped suites. Units are resold on secondary markets. Adjacent to Estancia Resort community. Note: Timeshare financing differs from standard condo-hotel loans. Contact us to discuss resale unit financing options.
Park City · Deer Valley · Jordanelle · Empire Pass — actively listed condo-hotel condominiums. Use the search filters below to find your perfect investment property.
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Calculate your exact payment, see your 3-2-1 buydown savings year by year, and check what you can afford — all in real time.
*STR income estimate based on 80K annual gross for $800K property. Actual income varies. Not a guarantee.
Get Pre-Qualified at This Price →A seller or builder deposits a lump sum at closing into an escrow account. Each month, funds are released to cover the gap between your reduced payment and the lender's full payment. Your note rate never changes — only what you pay out of pocket each month.
Ask us about seller-paid buydowns — on many Park City & Deer Valley properties, the seller funds the escrow at closing, giving you 3 years of reduced payments at no added cost to you.
Ask About Seller-Paid Buydowns →*Non-QM and DSCR programs can use STR rental income to qualify — dramatically increasing your buying power vs. conventional. DTI limits vary by loan type. This is an estimate, not a commitment to lend.
Get Your Exact Pre-Approval →Not all realtors are created equal — especially in a specialty market like Park City and Deer Valley condo-hotels. We've spent years working alongside the region's top producers and we know exactly who delivers results. Our referral partners are hand-selected based on closed transaction volume, condo-hotel expertise, client satisfaction, and their ability to actually get deals across the finish line — not just show properties.
Whether you qualify on traditional tax returns or use our Non-QM programs, we teach every buyer how to structure their condo-hotel ownership to generate rental income that offsets — and often exceeds — their mortgage payment in the first three years.
Know your buying power before falling in love with a property. We run your full scenario — including rental income projections — so you know exactly what you can afford and how it cash-flows.
Many condo-hotels at Deer Valley, Park City, Moab, and St. George have built-in rental management programs. Your unit goes into the hotel's rental pool when you're not using it — generating income automatically.
We help you negotiate a 3-2-1 buydown into the purchase offer. The seller funds the buydown, reducing your interest rate by 3% in year one — dramatically lowering your monthly payment while rents build.
Peak ski season nightly rates can run $800–$3,000/night at Deer Valley. We help you maximize rental days during peak periods while preserving personal use time that matters most to your family.
Deer Valley properties have historically appreciated significantly. Once your 3-year buydown expires, your rental income is established and property value is up — positioning you to refinance favorably.
Projections are illustrative only. Actual returns vary based on occupancy, management fees, HOA, taxes, and insurance. Not a guarantee of income. Consult a financial advisor.
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