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Truss Talk
Real strategies for self-employed borrowers, real estate investors, and homeowners looking to unlock their equity. Hosted by the team at Truss Financial Group, each episode breaks down the lending programs, market shifts, and financial tactics that traditional banks won't tell you about — from DSCR and bank statement loans to HELOCs, reverse mortgages, and retirement-smart financing options for seniors. No fluff. No jargon walls. Just the insights that move the needle.
All Episodes
Episode 22: Bank Statement Loan vs P&L Loan: Which One Actually Helps You Qualify?
For self-employed borrowers, qualifying for a mortgage without standard tax returns comes down to picking the right Non-QM product. But should you use a Bank Statement Loan or a P&L Loan? In this episode of The Truss Financial Podcast, Jeff and Jason break down how these two non-traditional loans work and why picking the wrong one could drastically shrink your qualifying income. Discover how bank statement expense factors work, when a CPA-prepared Profit & Loss statement can unlock significantly higher purchasing power for low-overhead businesses, and why high-expense industries like contracting or trucking often win big with bank statements. Stop guessing which product fits your business. Tune in to learn how to analyze your cash flow, run the math both ways, and choose the loan path that gets you approved comfortably. Get in Touch with Truss Financial Group Self-employed and ready to see which loan product maximizes your borrowing power? Let our team run the numbers both ways for you without pulling your credit: Toll-Free Phone: (888) 878-7715 Website & Strategy Session: trussfinancialgroup.com/contact
Should You Use a HELOC to Pay Off Credit Card Debt? Smart Move or Bigger Trap?
Episode 21: Should You Use a HELOC to Pay Off Credit Card Debt? Smart Move or Bigger Trap? Replacing a 22% credit card interest rate with an 8% HELOC sounds like an obvious win but is it actually a smart financial strategy, or are you setting a trap for your future self? In this episode of **The Truss Financial Podcast**, Jeff and Jason tackle the subtle reality of consolidating consumer debt with home equity. They break down the compelling math behind lowering your interest payments, but expose the critical behavioral traps that lead many homeowners into double the debt. Discover why credit card debt is unsecured while a HELOC puts your roof on the line, how low interest rates can create a false sense of security, and the three crucial questions you must answer before touching your equity. If you’re considering tapping into your home to clear credit cards, tune in to learn how to execute the move correctly without putting your house at risk. --- Get in Touch with Truss Financial Group Ready to explore a fast, no-appraisal HELOC to execute a smart debt consolidation plan? Connect with our team to discuss your options without affecting your credit score: Toll-Free Phone: (888) 878-7715 Website & Strategy Session: https://trussfinancialgroup.com/contact
What Happens to the Home After a Reverse Mortgage? Heirs, Payoff, and Sale Timeline
Episode 20: What Happens to the Home After a Reverse Mortgage? Heirs, Payoff, and Sale Timeline One of the most anxiety-inducing aspects of a reverse mortgage isn't deciding whether to get one, it's navigating what happens after. What actually occurs when the borrower passes away or permanently moves out? What options do heirs have, and how long do they really have to sell, pay off, or refinance the property? In this episode of The Truss Financial Podcast, Jeff and Jason clear up the confusion surrounding the post-reverse-mortgage process. You’ll learn about the three primary triggers that make a loan due, how non-recourse protections shield heirs from ever paying out of pocket for a shortfall, and the realistic 6-to-12-month timeline families have to handle the estate. Don't let a lack of preparation leave your family scrambling. Tune in to learn how open communication, proper planning, and knowing your options can turn a stressful transition into a smooth process. Get in Touch with Truss Financial Group: Whether you're exploring a reverse mortgage or need guidance navigating an existing loan for your family, our team is here to walk you through every step with total transparency, with zero impact on your credit score: Toll-Free Phone: (888) 878-7715 Contact us at: trussfinancialgroup.com/contact
Why Your Rental Property’s DSCR Fails Even When the Deal Looks Profitable?
Why Your Rental Property's DSCR Fails Even When the Deal Looks Profitable. Ever found a rental property that seems like an absolute slam dunk on paper, only to have a lender turn around and reject your DSCR loan? You ran the numbers, the rent covers the mortgage, and you're ready to make a move, so what gives? In this episode of the Truss Financial Podcast, Jeff and Jason break down the exact underwriting traps that sabotage real estate investors at the finish line. You’ll learn how lenders actually calculate your debt coverage ratio using full PITIA (Principal, Interest, Taxes, Insurance, and HOA dues) instead of just your principal and interest. We’ll also dive into appraiser market rent haircuts, stressed qualification rates, and why short-term rental income gets extra scrutiny. Stop letting hidden formula tricks kill your deals. Tune in to discover how to properly structure your deals upfront, calculate your true DSCR, and get borderline properties approved. Get in Touch with Truss Financial Group. Ready to run your deal by a team that underwrites the whole picture instead of relying on a rigid formula? Connect with us today to analyze your options without impacting your credit score: Contact us: (888) 878-7715 Contact form: https://trussfinancialgroup.com/contact