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Fix & Flip Loans

Eligible Properties

for Fix & Flip Loans

Single-Family

Single-family residents (SFRs) are classified as 1 to 4 residential-use dwellings, including condos.  

Mixed Use

Mixed-use properties are typically a blend of residential and commercial use in one building.  

Multi Family

Multi-family properties are considered buildings of 5+ units intended for residential use.

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Eligible Properties

for Fix & Flip Loans

Single-Family

Single-family residents (SFRs), are classified as 1 to 4 residential use dwellings, including condos.  

Mixed Use

Mixed-use properties are typically a blend of residential and commercial use in one building.  

Multi Family

Multi-family properties are considered buildings of 5+ units intended for residential use.

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Truss Financial Group:
Proudly recognized as one of the Best Mortgage Lender for Real Estate Investors

Proud to be a Scotsman's Guide Top 10 "Best Alternative Lenders" year after year. We offer a wide array of home loans for real estate investors, including Stated Income loans (aka Non-Qualified loans). We offer Bank Statement loans, Asset Depletion loans, DSCR loans, Hard Money 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.

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DSCR Mortgages

Unlike traditional banks, Truss offers 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.
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No Ratio Mortgages

Truss Financial also offers a No Ratio Loans 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.
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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.
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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.
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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.
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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.

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.

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See what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

First-Time Homebuyers' Delight

Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.

Robert F.

San Tan Valley, AZ, Software Engineer

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Great for Bank Statement Loans

I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.

Berj F.

Concord, CA, Business Owner

Personalized Service

"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."

Howard L.

CA, Real Estate Investor

Cash-Out Refinance Made Easy

Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.

RealEstateLady 1.

Sandy, OR, Real Estate Broker

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Exceptional for Self-Employed

After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.

Baird K.

New York, NY, Small Business Owner and Real Estate Investor

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Innovative Solutions for Self-Employed

Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.

Jason M.

Rancho Cucamonga, CA, Self-Employed Individual

Qualify Today For Your Fix & Flip Loan

  • Funding up to 90% of costs<
  • Closing in 7-10 days
  • 12-18 month terms
  • Advance draws
  • Nationwide lending