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⛷️ #1 Condo-Hotel Lender · Park City · Deer Valley · Utah

UTAH'S PREMIERCondo HotelFINANCING

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.

$1.2M+Starting Price, Deer Valley
3-YrInterest Rate Buydown
Non-QMSelf-Employed Programs
51+Condo-Hotel Properties
36Active MLS Listings

Loan Programs Built
for Condo-Hotels

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.

The 3-2-1 Temporary Buydown — Cash-Flow Your First 3 Years

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.

3-2-1 Buydown Example
Payments by Borrower and Payments From Escrow Account on an $800,000 Purchase · 20% Down · $640,000 Loan · 30-Year · 6.875% Note Rate · 3-2-1 Temporary Buydown
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
$1,194/mo Year 1 Monthly Savings
$817/mo Year 2 Monthly Savings
$419/mo Year 3 Monthly Savings
$29,169 Total 3-Year Subsidy
⚖️ Monthly payments shown are principal & interest only. Taxes, insurance, HOA, and PMI (if applicable) are additional. The note rate of 6.875% and the lender's required payment of $4,204.34/mo never change — the escrow account bridges the gap during the buydown period. Buydown funds may be provided by seller, builder, or lender. Ask us about seller-paid buydowns on Park City and Deer Valley properties. Rate shown for illustrative purposes; actual rates vary daily.
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Non-QM / Bank Statement Loans

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 Specialists
🏡
Conventional & Jumbo Financing

For 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 Documentation
📊
DSCR / Investor Loans

Qualify 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 Qualifying
⛷️
Condo-Hotel Warrantability

Many 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 Experts

Utah's Premier
Resort Properties

Every 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.

💡 Lender's Note

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.

🏔 Park City / Canyons Village — Upper Mountain
Black Rock Mountain Resort
Condo-HotelNon-QM OK
📍 Hwy 248 / Jordanelle, Park City Area
Black Rock Mountain Resort

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.

🛏 2–3 Bed📐 1,300–2,000 sqft🏨 Nightly Rental Zone
Sundial Lodge
Hotel BrandNon-QM OK
📍 Canyons Village, Park City
Sundial Lodge

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.

🛏 Studio–2 Bed📐 440–2,200 sqft🏨 Resort Managed
Apex Residences
Ski-In/OutNon-QM OK
📍 Canyons Village, Park City
Apex Residences

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.

🛏 3–5 Bed📐 2,000–3,800 sqft⛷️ Ski-In/Out
Hotel Park City Condos & Cottages
Marriott AutographBuydown OK
📍 Old Town / Park City Golf Course
Hotel Park City Condos & Cottages

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.

🛏 Studio–2 Bed🏌️ Golf Views🛁 Private Hot Tubs
Silver Star at Park City
Silver StarNon-QM OK
📍 Park City Mountain Resort
Silver Star at Park City

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.

🛏 1–4 Bed⛷️ Chairlift Onsite🏨 Managed
King's Crown
King's CrownDSCR OK
📍 Park City Mountain Resort
King's Crown

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.

🛏 2–5 Bed⛷️ Private Tower🏔 Mid-Mountain
The Residences at Blackstone
BlackstoneNon-QM OK
📍 Canyons Village Golf Course
The Residences at Blackstone

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.

🛏 2–4 Bed⛳ Golf Course🚡 Gondola Access
Westgate Park City Resort & Spa
WestgateNon-QM OK
📍 Canyons Village, Park City Mountain Resort
Westgate Park City Resort & Spa

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.

🛏 Studio–4 Bed📐 360–4,500 sqft⛷️ Steps to Gondola
Hilton Grand Vacations Club Sunrise Lodge
Hilton BrandBuydown OK
📍 Canyons Village, Park City Mountain Resort
Hilton Grand Vacations Club Sunrise Lodge

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.

🛏 Studio–2 Bed🚡 Sunrise Gondola 2025⭐ Hilton Brand
⭐ Luxury Hotel-Branded Condo-Hotels — Canyons Village
Pendry Residences Park City
Pendry / MontageNon-QM OK
📍 Upper Canyons Village (Sunrise Gondola)
Pendry Residences Park City

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.

🛏 1–5 Bed⛷️ Ski-In/Out🏊 Only Rooftop Pool
Waldorf Astoria Park City
Waldorf AstoriaBuydown OK
📍 Lower Canyons Village (Frostwood Gondola)
Waldorf Astoria Park City

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.

🛏 Studio–4 Bed📐 330–2,000 sqft🌟 World's Best Ski Hotel
Hyatt Centric Park City
Hyatt CentricNon-QM OK
📍 Upper Canyons Village (Sunrise Gondola)
Hyatt Centric Park City

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.

🛏 1–4 Bed📐 680–2,875 sqft⛷️ 3 Lifts Walking
LIFT Condominiums
LIFTBuydown OK
📍 Upper Canyons Village (Sunrise Gondola)
LIFT Condominiums

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.

🛏 1–4 Bed⛷️ Steps to Gondola🏨 Hotel Amenities
Grand Summit Hotel
Grand SummitNon-QM OK
📍 Canyons Village Forum (Gondola Base)
Grand Summit Hotel

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.

🛏 Studio–4 Bed⛷️ Step-Out-to-Lift🔢 Fractional Available
🏙 Old Town / Main Street — Historic Park City
Sky Lodge
Main StreetNon-QM OK
📍 Main Street, Old Town Park City
Sky Lodge

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.

🛏 Studio–3 Bed🎿 Town Lift Access🎬 Sundance Location
The Caledonian
Ski-In/OutBuydown OK
📍 Old Town, Park City (Town Lift)
The Caledonian

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.

🛏 1–5 Bed⛷️ Town Lift Direct🏛 Historic Old Town
Canyon Haus (formerly Yotelpad)
Entry LevelNon-QM OK
📍 Mid-Canyons Village, Park City
Canyon Haus (formerly Yotelpad)

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.

🛏 Studio–1 Bed💰 Most Affordable CV🚡 Future Gondola Stop
🚀 Fastest-Growing Resort Corridor in North America

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.

Residences at Grand Hyatt Deer Valley
Grand HyattNon-QM OK
📍 Deer Valley East Village (Mayflower)
Residences at Grand Hyatt Deer Valley

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.

🛏 1–4 Bed📐 790–3,638 sqft⛷️ Ski-In/Out
Pioche Village Condominiums
Entry LevelDSCR OK
📍 Deer Valley East Village (Mayflower)
Pioche Village Condominiums

~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.

🛏 Studio–2 Bed🚡 Gondola Access💰 Best Value EV
Four Seasons Private Residences Deer Valley
Four SeasonsNon-QM OK
📍 Deer Valley East Village (Mayflower)
Four Seasons Private Residences Deer Valley

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.

🛏 1–5 Bed⭐ Four Seasons Brand🆕 New Construction
Cormont at Deer Valley
CormontBuydown OK
📍 Deer Valley East Village (Mayflower)
Cormont at Deer Valley

~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.

🛏 1–4 Bed🏢 Private Elevator⛷️ Ski Area Proximity
Velvaere Wellness Community
VelvaereNon-QM OK
📍 Deer Valley East Village (Mayflower)
Velvaere Wellness Community

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.

🛏 2–5 Bed🧘 Wellness Focused⛷️ Ski-In/Out
Mayflower Lakeside
LakesideDSCR OK
📍 Jordanelle Reservoir, West Shore
Mayflower Lakeside

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.

🛏 3 Bed📐 1,577–1,584 sqft🌊 Reservoir Views
🏔 Silver Lake Village — Upper Deer Valley
Stein Eriksen Lodge
Utah's Only 5-DiamondNon-QM OK
📍 Silver Lake, Upper Deer Valley
Stein Eriksen Lodge

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.

🛏 2–5 Bed📐 1,300–5,000 sqft⛷️ 75 Ft to Chairlift
Stein Eriksen Residences
Forbes 5-StarBuydown OK
📍 Silver Lake, Upper Deer Valley
Stein Eriksen Residences

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.

🛏 2–6 Bed📐 2,100–8,200 sqft⛷️ Silver Dollar Trail
The Chateaux Deer Valley
Stein CollectionNon-QM OK
📍 Silver Lake Village, Upper Deer Valley
The Chateaux Deer Valley

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.

🛏 2–4 Bed📐 1,376–2,956 sqft🏅 Best in US 2024
Goldener Hirsch (Auberge Resort)
Auberge ResortBuydown OK
📍 Upper Deer Valley / Silver Lake
Goldener Hirsch (Auberge Resort)

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.

🛏 1–4 Bed🏨 Auberge Brand🆕 Newest Upper DV
🏡 Lower Deer Valley — Best Value Entry Points
The Lodges at Deer Valley
Free BreakfastDSCR OK
📍 Lower Deer Valley, Snow Park Area
The Lodges at Deer Valley

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.

🛏 1–3 Bed🍳 Free Ski Season Breakfast🏊 Heated Pool
Silver Baron Lodge
Family LodgeNon-QM OK
📍 Lower Deer Valley
Silver Baron Lodge

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.

🛏 1–4 Bed🛁 Private Hot Tubs🎿 Free Ski Shuttle
Black Diamond Lodge
SlopesideBuydown OK
📍 Snow Park Lodge, Lower Deer Valley
Black Diamond Lodge

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.

🛏 1–3 Bed⛷️ Slopeside🎵 Concert Views
🏆 Empire Pass — Ski-In/Out Luxury
Montage Deer Valley
MontageNon-QM OK
📍 Empire Pass, Deer Valley
Montage Deer Valley

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.

🛏 1–5 Bed⛷️ Ski-In/Out🌟 Premier Resort
Sommet Blanc
Empire PassDSCR OK
📍 Empire Pass, Deer Valley
Sommet Blanc

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.

🛏 2–5 Bed⛷️ Ski-In/Out🏆 Talisker Club Option
Arrowleaf Residences
ArrowleafNon-QM OK
📍 Empire Pass / Silver Strike, Deer Valley
Arrowleaf Residences

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.

🛏 2–4 Bed⛷️ Silver Strike Lift🏔 Slopeside
🔒 Deer Crest — Gated, Ultra-Exclusive
St. Regis Deer Valley
5-Star / 5-DiamondNon-QM OK
📍 Deer Crest, Gated Deer Valley
St. Regis Deer Valley

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.

🛏 1–6 Bed📐 984–6,829 sqft🚡 Private Funicular
Founders Place at Deer Crest
Founders PlaceBuydown OK
📍 Deer Crest, Gated Deer Valley
Founders Place at Deer Crest

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.

🛏 2–4 Bed⛷️ Mountaineer Lift🔒 Gated Community
🏜 Moab — Year-Round Adventure Tourism Capital

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.

Hoodoo Moab Resort
Arches AdjacentNon-QM OK
📍 Moab, Utah
Hoodoo Moab Resort

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.

🛏 Studio–3 Bed🏨 Hilton Brand🌄 Arches Adjacent
Moab Under Canvas Resort Residences
Red Rock ViewsDSCR OK
📍 Downtown Moab
Moab Under Canvas Resort Residences

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.

🛏 Studio–2 Bed🚵 Adventure Corridor📈 High Rental Yield
Moab Springs Ranch Residences
Retreat BrandNon-QM OK
📍 Portal Overlook, Moab
Moab Springs Ranch Residences

Eco-resort residences with Colorado River views and immediate access to world-famous mountain biking trails. Hotel management program generates strong nightly rental income.

🛏 1–3 Bed🏞 River Views🏨 Managed
☀️ St. George — Year-Round Gateway to Zion, Bryce & the Grand Canyon

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.

Desert Color Resort Residences
2.5-Acre LagoonNon-QM OK
📍 Desert Color Community, St. George
Desert Color Resort Residences

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.

🛏 1–5 Bed🏖 Lagoon Beachfront📈 Fastest Growing Area
The Vue at Desert Color
New 2025Buydown OK
📍 Desert Color Community, St. George
The Vue at Desert Color

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.

🛏 Studio–3 Bed📐 417–1,349 sqft🏊 Lazy River Pool
Las Palmas Resort
30+ Yr STR HistoryNon-QM OK
📍 Green Valley, St. George
Las Palmas Resort

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.

🛏 1–4 Bed🏊 6 Pools (1 Indoor)📊 Proven Rental History
Freedom Village at The Fields
Rare STR ZoningDSCR OK
📍 Washington Fields, Washington City, UT
Freedom Village at The Fields

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.

🛏 2–4 Bed🏠 Townhomes & Condos🔑 On-Site STR Mgmt
Black Desert Resort Residences
PGA Tour ResortNon-QM OK
📍 St. George, Utah
Black Desert Resort Residences

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.

🛏 1–4 Bed⛳ PGA Golf🌞 Year-Round Demand
Entrada Resort Residences
EntradaBuydown OK
📍 Entrada at Snow Canyon, St. George
Entrada Resort Residences

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.

🛏 1–3 Bed⛳ Golf Access🏜 Snow Canyon Views
Grayhawk at River's Edge
River's EdgeNon-QM OK
📍 River's Edge / Dinosaur Crossing, St. George
Grayhawk at River's Edge

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.

🛏 1–3 Bed📐 713–1,528 sqft🛁 Spa + Sauna
Black Ridge Townhomes
Modern New BuildBuydown OK
📍 St. George, Utah
Black Ridge Townhomes

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.

🛏 2–3 Bed🆕 Modern New Build🔑 Nightly Rental OK
The Falls at Mesa Point
Mesa PointNon-QM OK
📍 St. George, Utah (Mall Drive Corridor)
The Falls at Mesa Point

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.

🛏 1–4 Bed🏊 Dual Pools + Hot Tub🎱 Clubhouse Amenities
Puerta Del Sol
Puerta Del SolDSCR OK
📍 Valley View / Indian Hills, St. George
Puerta Del Sol

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.

🛏 2–3 Bed🏊 Pool + Amenities📊 Proven Occupancy
Zion Promenade Hotel Condos
Condo-HotelNon-QM OK
📍 245 N Red Cliffs Dr, St. George (I-15 Exit 8)
Zion Promenade Hotel Condos

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.

🛏 King Suites🏨 On-Site Management🆕 Renovated 2025
The Ledges of St. George
Golf CommunityDSCR OK
📍 Above St. George, Adjacent to Snow Canyon
The Ledges of St. George

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.

🛏 2–5 Bed⛳ Golf Frontage🔑 LVR Managed STR
WorldMark Estancia (Wyndham)
Wyndham Brand⚠️ Timeshare
📍 Green Valley / Plantation Dr, St. George
WorldMark Estancia (Wyndham)

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.

🛏 3–4 Bed🌀 Wyndham Points⚠️ Timeshare Structure

Condominiums For Sale
Summit & Wasatch County

Park City · Deer Valley · Jordanelle · Empire Pass — actively listed condo-hotel condominiums. Use the search filters below to find your perfect investment property.

Loading listings… Summit & Wasatch County · Updated Daily Get Pre-Qualified →

Want the complete MLS feed? Contact us for full access to all active listings.

Run Your Numbers
Before You Call

Calculate your exact payment, see your 3-2-1 buydown savings year by year, and check what you can afford — all in real time.

Purchase Price $800,000
Down Payment 20% — $160,000
Interest Rate 6.875%
Loan Term
HOA (monthly) $1,500
Property Tax Rate 0.60%
Annual Insurance $2,400
📊 Monthly Payment Breakdown
$5,904
Total Monthly Payment
Principal & Interest$4,204
Property Tax$400
Homeowners Insurance$200
HOA Fee$1,500
Loan Amount$640,000
Down Payment$160,000
Est. STR Income Offset*-$6,667/mo
Net After STR IncomeCash Flow +$763

*STR income estimate based on 80K annual gross for $800K property. Actual income varies. Not a guarantee.

Get Pre-Qualified at This Price →
Purchase Price $800,000
Down Payment 20% — $160,000
Note Rate (Your Actual Rate) 6.875%
How a 3-2-1 Buydown Works

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.

📉 Your 3-2-1 Buydown Schedule
Year 1 3.875% $3,010 Save $1,195/mo
Year 2 4.875% $3,387 Save $817/mo
Year 3 5.875% $3,786 Save $419/mo
Year 4–30 6.875% $4,204 Full rate
Loan Amount$640,000
Full P&I at Note Rate$4,204/mo
Year 1 Total Savings$14,337
Year 2 Total Savings$9,809
Year 3 Total Savings$5,022
Total Escrow Deposit$29,169

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 →
Annual Household Income $300,000
Monthly Debts (car, student loans, etc.) $1,500
Down Payment Available $200,000
Interest Rate 6.875%
Loan Type
Monthly HOA Estimate $1,500
🏔 Your Buying Power
$1,180,000
Estimated Maximum Purchase Price
DTI Ratio Used43%
Max Monthly Payment$8,750
Available for P&I + Tax + Ins$6,750
Max Loan Amount$980,000
Down Payment$200,000
STR Income Boost (Non-QM)*+$68K buying power
Park City Properties in Range~47 listings

*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 →
⭐ Exclusive Referral Network

Get Paired with a Top 1% Park City Realtor
Who Actually Closes

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.

🏆Top 1% by closed volume
🏨Condo-hotel specialists
⛷️Ski resort market experts
📋Park City Board of Realtors members
🤝Proven closers — not just showmen
💰STR investment savvy
★★★★★
Free · No obligation · Response within 24 hours

Get Paired with a Top 1% Realtor

Tell us what you're looking for and we'll personally connect you with the most qualified, highest-performing condo-hotel specialist in the Park City and Deer Valley market. Our referral partners are vetted by us — we only recommend people we'd send our own family to.

How We Vet Our Realtor Partners
Top 1% of closed transaction volume in Summit & Wasatch County
Minimum 10+ condo-hotel transactions closed — they know the HOA, warrantability, and STR rules cold
Active Park City Board of Realtors member in good standing
Proven negotiation track record — average list-to-sale ratio above 97%
Client references available — not just testimonials, actual past buyers you can call
Responds within 2 hours during business hours — no ghosting buyers
🤝

You're Connected!

We've received your request and will personally match you with the best-fit condo-hotel specialist in your target area within 24 hours. Check your email for next steps. In the meantime, feel free to explore our MLS listings above or calculate your payment using our tools.

Strategic Lease Structure:
Cash-Flow Your First 3 Years

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.

1

Get Pre-Qualified First

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.

2

Select a Hotel Management Program

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.

3

Negotiate a Seller-Funded Buydown

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.

4

Optimize Personal Use vs. Rental Days

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.

5

Capture Appreciation + Refinance

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.

📊 Sample Cash Flow Analysis

PARK CITY CONDO-HOTEL · $1.5M PURCHASE · 20% DOWN
Purchase Price $1,500,000
Down Payment (20%) $300,000
Loan Amount $1,200,000
Year 1 Rate (Buydown -3%) Reduced Rate
Year 1 Monthly Payment (est.) ~$5,200/mo
Projected Rental Revenue/Yr $72,000–$110,000
After Mgmt Fees (30–40%) $43,000–$77,000
Net Annual Cash Position +$5,600–$14,600
Disclaimer

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.

Get Your Custom Analysis

Ready to Own a
Utah Condo-Hotel?

Submit your information below and we'll reach out within one business day to discuss your scenario, financing options, and connect you with the right property and realtor.

Specialty #1 Condo-Hotel Lender, Park City & Deer Valley
Programs Non-QM · DSCR · Conventional · Jumbo
🏔 Condo-Hotel Tax Intelligence

Why a Condo-Hotel is One of the
Best Tax Shelters in Real Estate

A condo-hotel isn't just a lifestyle investment — it's a powerful tax vehicle. When structured correctly, your Park City or Deer Valley condo-hotel can generate six figures in annual tax deductions, turning your mountain property into a cash-flow accelerator from day one.

⚖️ This information is for educational purposes only and does not constitute tax or legal advice. Every situation is unique. Consult a qualified CPA or tax attorney before making decisions. We can connect you with a Park City-based CPA who specializes in STR and resort real estate taxation.
The Big 4 Condo-Hotel Tax Deductions
📉

Depreciation

The IRS lets you depreciate the building value (not land) of your condo-hotel over 27.5 years for residential or 39 years for commercial. On a $2M property with $1.4M in improvements, that's roughly $50,900/year in non-cash deductions — money you never actually spend.

~$50K–$125K/yr

Cost Segregation

A cost segregation study reclassifies components — furniture, fixtures, flooring, appliances, landscaping — as 5, 7, or 15-year property. Under the One Big Beautiful Bill Act (signed July 4, 2025), 100% Bonus Depreciation is permanently restored — meaning the full value of short-life components can be written off in Year 1 alone.

Year 1 write-off: up to 30% of purchase price
💼

Pass-Through Deduction (QBI)

Under Section 199A, qualifying rental income may be eligible for a 20% pass-through deduction on net income from your rental activity. For high earners, this can significantly reduce the effective tax rate on rental profits.

20% of net rental income
🧾

Operating Expense Deductions

Every dollar spent on your condo-hotel operation is deductible: HOA fees, property management, mortgage interest, insurance, utilities, repairs, travel to the property, marketing, and professional services (CPA, attorney, lender). In condo-hotels with HOAs of $1,500–$4,000/month, this alone is $18K–$48K/year.

$18K–$60K+/yr in expenses
Cost Segregation Studies — Accelerate Your Depreciation

A cost segregation study is an engineering-based tax analysis that identifies and reclassifies building components into shorter depreciation lives — 5, 7, and 15 years instead of 27.5 or 39. Combined with 100% Bonus Depreciation — permanently restored by President Trump's One Big Beautiful Bill Act (signed July 4, 2025, effective January 20, 2025) — this means a complete first-year write-off of all short-life components instead of waiting decades. Every serious condo-hotel investor should get one.

1
Property Review

A cost seg engineer analyzes your closing docs, blueprints, and property components — furniture, fixtures, flooring, appliances, HVAC, landscaping, and more.

2
Reclassify

Components are sorted into 5-yr, 7-yr, 15-yr, or real property categories. A typical condo-hotel has 20–40% of its value in short-life property.

3
Bonus Depreciation

Short-life components qualify for 100% Bonus Depreciation — permanently restored by the One Big Beautiful Bill Act (OBBBA), signed July 4, 2025. Property acquired on or after January 20, 2025 qualifies for a full first-year write-off. No phase-out. No deadline.

4
Offset Income

Combined with the STR Loophole, accelerated depreciation losses can offset W-2 or business income — turning your condo-hotel into a tax shelter from Day 1.

Choose Your Price Point — 25% Down · All Examples
$600,000 Purchase Price
$150,000 Down (25%)
$450,000 Loan Amount
~$2,800/mo Est. P&I (7%)
Cost Segregation Component Breakdown ($480K Improvement Value)
Personal Property
$105,600 5–7 yrs
Land Improvements
$38,400 15 yrs
Real Property
$336,000 27.5 yrs
Land (Non-Depreciable)
$120,000 N/A
Depreciation Schedule — Years 1–5
Year Regular Depreciation Bonus Depreciation (40%) Total Deduction Tax Savings @ 37%
Year 1 ⭐ $12,218 $144,000 (100% OBBBA — all short-life assets) $156,218 $57,801
Year 2 $12,218 $0 (all taken in Yr 1) $12,218 $4,521
Year 3 $12,218 $0 $12,218 $4,521
Year 4 $12,218 $0 $12,218 $4,521
Year 5 $12,218 $0 $12,218 $4,521
5-Year Total $61,090 $144,000 $205,090 $75,883
✅ $600K Entry-Level Bottom Line

$75,883 in tax savings over 5 years on $150K down

That's a 50.6% tax return on your down payment from depreciation alone — before a single dollar of rental income. Thanks to permanent 100% bonus depreciation under the OBBBA, Year 1 savings of $57,801 nearly covers 20 months of mortgage payments (~$2,800/mo × 20).

⚖️ Estimates assume 20% land value, $800 cost seg study fee, 37% federal tax bracket, STR material participation, current OBBBA 100% Bonus Depreciation rules. Actual results vary.

$900,000 Purchase Price
$225,000 Down (25%)
$675,000 Loan Amount
~$4,193/mo Est. P&I (7%)
Cost Segregation Component Breakdown ($720K Improvement Value)
Personal Property
$158,400 5–7 yrs
Land Improvements
$57,600 15 yrs
Real Property
$504,000 27.5 yrs
Land (Non-Depreciable)
$180,000 N/A
Depreciation Schedule — Years 1–5
YearRegular DepreciationBonus Depreciation (40%)Total DeductionTax Savings @ 37%
Year 1 ⭐$18,327$216,000 (100% — all short-life assets)$234,327$86,701
Year 2$18,327$0$18,327$6,781
Year 3$18,327$0$18,327$6,781
Year 4$18,327$0$18,327$6,781
Year 5$18,327$0$18,327$6,781
5-Year Total$91,635$216,000$307,635$113,825
✅ $900K Mid-Range Bottom Line

$91,731 in tax savings over 5 years on $225K down

A 40.8% tax return on your down payment. Year 1 tax savings of $38,749 nearly covers 8 months of mortgage payments (~$4,193/mo). Combined with STR rental income averaging $60K–$90K/year at this price point, the property can be near self-funding from the start.

⚖️ Estimates assume 20% land value, 37% federal bracket, STR material participation, current OBBBA 100% Bonus Depreciation rules. Actual results vary.

$1,200,000 Purchase Price
$300,000 Down (25%)
$900,000 Loan Amount
~$5,591/mo Est. P&I (7%)
Cost Segregation Component Breakdown ($960K Improvement Value)
Personal Property
$211,200 5–7 yrs
Land Improvements
$76,800 15 yrs
Real Property
$672,000 27.5 yrs
Land (Non-Depreciable)
$240,000 N/A
Depreciation Schedule — Years 1–5
YearRegular DepreciationBonus Depreciation (40%)Total DeductionTax Savings @ 37%
Year 1 ⭐$24,436$288,000 (100% — all short-life assets)$312,436$115,601
Year 2$24,436$0$24,436$9,041
Year 3$24,436$0$24,436$9,041
Year 4$24,436$0$24,436$9,041
Year 5$24,436$0$24,436$9,041
5-Year Total$122,180$288,000$410,180$151,765
✅ $1.2M Premium Deer Valley Bottom Line

$122,309 in tax savings over 5 years on $300K down

A 40.8% tax return on your down payment in depreciation savings alone. Year 1 savings of $51,665 covers nearly 8 months of mortgage payments. At this price point, Deer Valley rental income typically runs $90K–$140K/year, making many of these properties near cash-flow positive from Day 1 when tax savings are factored in.

⚖️ Estimates assume 20% land value, 37% federal bracket, STR material participation, current OBBBA 100% Bonus Depreciation rules. Actual results vary.

$1,500,000 Purchase Price
$375,000 Down (25%)
$1,125,000 Loan Amount
~$6,989/mo Est. P&I (7%)
Cost Segregation Component Breakdown ($1.2M Improvement Value)
Personal Property
$264,000 5–7 yrs
Land Improvements
$96,000 15 yrs
Real Property
$840,000 27.5 yrs
Land (Non-Depreciable)
$300,000 N/A
Depreciation Schedule — Years 1–5
YearRegular DepreciationBonus Depreciation (40%)Total DeductionTax Savings @ 37%
Year 1 ⭐$30,545$360,000 (100% — all short-life assets)$390,545$144,502
Year 2$30,545$0$30,545$11,302
Year 3$30,545$0$30,545$11,302
Year 4$30,545$0$30,545$11,302
Year 5$30,545$0$30,545$11,302
5-Year Total$152,725$360,000$512,725$189,710
✅ $1.5M Luxury Empire Pass / Deer Valley Bottom Line

$189,710 in tax savings over 5 years on $375K down

A 50.6% tax return on your down payment. Year 1 savings of $144,502 covers nearly 21 months of mortgage payments. Luxury Deer Valley properties generate $120K–$200K+ in STR income. Combined with the STR Loophole, high-income earners may realize $300K–$500K in total first-year tax benefits — making this one of the most powerful tax plays in U.S. real estate.

⚖️ Estimates assume 20% land value, 37% federal bracket, STR material participation, current OBBBA 100% Bonus Depreciation rules. Actual results vary.

💵

Cost of Study

A professional cost segregation study typically costs $3,500–$6,000 — itself fully tax-deductible. With permanent 100% bonus depreciation under the OBBBA, the study frequently pays for itself 100× over in Year 1 tax savings alone.

📅

When to Do It

Ideally at closing or within the same tax year of purchase. With 100% bonus depreciation now permanent under the OBBBA, you can also do a "look-back" study on properties you already own and catch up on missed depreciation — potentially generating a large deduction in the current year.

100% Bonus Depreciation — Now Permanent

President Trump's One Big Beautiful Bill Act (signed July 4, 2025) permanently restored 100% bonus depreciation for property acquired on or after January 20, 2025. No phase-out, no deadline — the best time to buy a condo-hotel for tax purposes is right now.

The STR Loophole — Section 469
🔑 The Most Powerful Tax Strategy for High Earners

The Short-Term Rental (STR) Loophole

Under normal passive activity rules (IRC Section 469), rental losses can only offset rental income — not your W-2 or business income. The STR Loophole changes everything.

When your average rental period is 7 days or fewer, the IRS classifies it as a non-passive activity — meaning your rental losses (primarily from depreciation) can offset ANY income, including W-2 wages, business profits, and investment income.

The 3 Rules You Must Meet
Average rental period ≤ 7 days. Most Park City and Deer Valley condo-hotels qualify naturally — nightly and weekly rentals are the norm. This is the critical qualifier.
Material participation. You must spend more than 100 hours in rental activities during the year, and more time than any other individual. This can include oversight, guest communication, booking management, and coordination with property managers.
Proper documentation. Time logs, receipts, and a detailed activity journal are essential. The IRS scrutinizes STR deductions heavily — documentation is your defense.
✅ The Result

A physician, attorney, business owner, or tech executive earning $600K/year buys a $2M Deer Valley condo-hotel, conducts a cost segregation study, and generates $650,000 in Year 1 paper losses. They meet STR material participation. That $650K offsets their W-2 income — potentially saving $250,000–$300,000 in federal taxes in Year 1. The property essentially pays for itself through tax savings before a single renter checks in.

1031 Exchange — Grow Forever, Tax-Deferred
🔄

What Is a 1031 Exchange?

Under IRC Section 1031, when you sell your condo-hotel and reinvest the proceeds into a "like-kind" property within specific timeframes, you defer 100% of capital gains taxes — indefinitely. Park City condo-hotels are ideal 1031 candidates. You can ladder up from a $500K entry-level condo-hotel to a $5M Deer Valley ski-in/ski-out residence, deferring taxes at every step. At death, heirs receive a stepped-up basis — potentially eliminating the deferred gain entirely.

📅

45-Day Rule

You must identify replacement property(ies) within 45 days of selling. You can identify up to 3 properties without restriction. We help clients identify qualifying condo-hotel replacements before they list their current property.

180-Day Rule

You must close on the replacement property within 180 days of the sale. Condo-hotel sales and purchases in Park City and Deer Valley are our specialty — we can help coordinate the timeline.

Real Tax Scenario — $2M Deer Valley Condo-Hotel

Illustrative example for a high-income W-2 earner. Assumes 37% federal tax bracket, STR loophole qualification, cost segregation study, and 100% bonus depreciation under the OBBBA (One Big Beautiful Bill Act, signed July 4, 2025). Numbers are estimates — your CPA will model your specific situation.

Tax Item Annual Deduction Tax Savings @ 37%
Mortgage Interest (7% on $1.5M loan) $105,000 $38,850
Depreciation (27.5 yr on $1.5M building) $54,545 $20,182
Cost Segregation — Year 1 100% Bonus Depreciation (OBBBA) $528,000 $195,360
HOA Fees ($2,500/mo) $30,000 $11,100
Property Management (10% of $120K revenue) $12,000 $4,440
Insurance, Repairs, Travel, Professional Fees $18,000 $6,660
TOTAL — Year 1 Tax Benefit $747,545 $276,592

⚖️ This is a simplified illustrative projection. Actual results vary significantly based on your personal tax situation, the specific property, occupancy rates, and professional guidance. Not tax advice.

Why Condo-Hotels Specifically?
🏨

Naturally Short Average Rental

Condo-hotels are built for nightly rentals — the average stay is almost always under 7 days. This means STR Loophole qualification is built into the property's business model, unlike a standard rental house where you'd need to restructure your lease strategy.

🏔️

High-Value Improvements

Park City and Deer Valley condo-hotels are built with premium finishes — custom kitchens, heated flooring, high-end electronics — that cost segregate beautifully into 5 and 7-year property, maximizing bonus depreciation in Year 1.

💰

HOA Handles the Work

The hotel management program and HOA handle operations, making it easier to justify material participation hours on the business side — booking oversight, financial review, guest policy decisions — rather than physical property management.

📈

Appreciation + Cash Flow

Deer Valley properties have appreciated at 7–12% annually over the past decade. Combined with STR income and tax savings, condo-hotels are rare investments where the tax benefit alone can cover your entire mortgage payment in Year 1.

Get Pre-Qualified + Tax Strategy Call