Rental Property Mortgages
DSCR Loan & No Ratio Loan

Investor-Signing
5 DSCR 4.0

 

If you’re tired of hard money loans, talk to Truss.

Whether you want to buy, refinance or pull cash out of a residential property, it can be a struggle to qualify for a loan with low rates. In fact, many real estate investors get stuck with hard-money loans with rates of 8, 9, 10% or even higher. 

There’s a better way to refinance a rental property, and a better way to refinance hard money loans.

Truss Financial Group has the solution — with mortgage loans tailored to residential investors like you.

 

Mortgage-App
DSCR Loans are based on the property’s Debt Service Coverage Ratio.

Unlike traditional banks, Truss offers Debt Service Coverage Ratio (DSCR) loans for investment property mortgages. The DSCR formula is simple: as long as the rental income covers your debt service, you’ll qualify. And you can get 30-year fixed-rate loans from $100,000 to $3,000,000. No personal income or tax returns needed, and you’ll never sign a 4506.

We even offer No ratio loans for situations where rental income doesn’t cover the debt. 

Contact Truss to find out more and save points off of the hard money loans and high rates you're used to.

Smile-Handshake

TrussFinancial:
Proudly recognized as a Best Mortgage Lender for the self-employed


We offer a wide array of home loans for the self-employed, including Stated Income loans (a/k/a NonQualified loans). We offer Bank Statement loans, Asset Depletion loans and more. And if you’re trying to finance a rental property, we offer DSCR loans based on Debt Service Coverage Ratio, and even “No-Ratio” loans.

calculate

Debt Service Coverage Ratio Mortgages


Unlike traditional banks, Truss offers Debt Service Coverage Ratio (DSCR) loans that use the cash flow from your properties to qualify. The DSCR formula is simple: as long as the rental income covers your debt service, you’ll qualify.

office

No Ratio Real Estate Mortgages


Truss Financial also offers a “no ratio” loan for situations where rental income doesn’t cover the cost of the debt service. If your rental property has a tenant, and you have 25% equity or more and a strong FICO score, we’ll write the loan. And the low rates will surprise you.

partnership

No Doc Mortgages

 

No Doc Mortgages don't require any documentation of income or proof of ability to repay. So if you're looking for a no income verification mortgage, a home loan without tax returns or to refinance with no income, you may need a true No Doc loan. But in many cases, we have ways to help you qualify with lower rates and fees.

Investor-Signing

Cash Flow Loans for Real Estate Investors

Many real estate investors have trouble qualifying for mortgage loans at reasonable rates. They're often forced into hard-money loans with a rate of 8, 9, 10% or higher. Not with Truss Financial group.
Unlike traditional banks, Truss offers Debt Service Coverage Ratio (DSCR) loans. As long as the rental income covers your debt service, you’ll qualify. We offer 30-year fixed-rate loans from $100,000 thousand to $3,000,000. No personal income or tax returns needed, and you’ll never sign a 4506. With Truss, you can even fund into an LLC and non-warrantable condos are welcome.

Mortgage-Meeting

What if Rental Income Doesn’t Cover Your Debt Service?

When the debt service on a rental property is “upside down,” it can be particularly challenging to qualify for a mortgage loan at low rates. But Truss Financial offers an innovative No Ratio loan that can save you points off of hard money interest rates and fees. In this case, the keys are your equity in the property and your personal credit rating. If you have 25% equity or more and a strong FICO score, you’ll qualify and save.

Mortgage-Meeting-Handshake

When All Else Fails, a No Doc Loan can Make It Happen

Sometimes, a person who’s self-employed or a real estate investor has no way to document income or to prove they can repay a mortgage loan. In these cases, a No Doc loan offers offer opportunities other loans can’t. Often, Truss Financial can help you avoid the kind of high rates and fees charged by Hard Money lenders. We can offer a Bank Statement Loan for your primary residence, and DSCR and No Ratio loans when financing rental properties.

Truss-Jeff-Jason

 

Built by entrepreneurs for entrepreneurs™

Jeff Miller and Jason Nichols created Truss Financial Group to help clients avoid the disappointments they themselves had experienced as self-employed real estate investors. After the financial crisis of 2008, and in the wake of greater government regulation of traditional banks, Jeff and Jason got tired of applying for mainstream mortgages, getting denied, and resorting to hard money loans at high rates.

They solved their own problem by bringing together a group of non-traditional banks and financial funds specifically to support the self-employed and real estate investors. Now with decades of experience and an expert mortgage lending team, you won’t find advisors with a greater ability to help you qualify for the loan you need at the lowest possible rate.

“Like most people I got hit hard by the financial crisis. With a short sale on my record, Wells Fargo, Bank of America, and Chase wouldn't write me a loan. But my real estate agent referred me to Truss Financial and they helped me qualify.”
business man
“I have excellent credit and income, and have been banking with Bank of America for over 20 years. When I needed a loan quickly, B of A couldn’t fund it fast enough. I turned to Truss and Jeff got the loan funded in 15 days.”
business woman
“I’m self-employed and wanted to buy an investment property. I was declined by multiple banks because my tax returns don’t show enough income. My CPA referred me to Truss because they could use my business bank statements to qualify. So glad I made the call, because they got me approved.”
business man

Qualify Today For Your Rental Property Loan

✔ Loans based on Debt Service Coverage Ratio

✔ No Ratio loans with 25% Equity and strong FICO

✔ 30-Year Fixed-Rate from $100,000 to $3 Million

✔ No Tax Returns or 4506

✔ Largest Access to DSCR Loans and Lenders