Fix & Flip Loans



Fix & Flip Loan Program

  • No Monthly Payments - Monthly payments rolled into the loan
  • Advance rehab draws available 
  • No income and No tax returns
  • $100k-$3M loan amounts
  • Up to 90% acquisition LTV, up to 100% LTV rehab budget
  • Up to 24-month terms
  • Nationwide lending

A Fix and Flip loan is a short-term loan used to purchase real estate, fix it up, then quickly sell it for a profit once you've upgraded the property.

With a Fix & Flip loan from Truss Financial Group, you'll be able to beat our other buyers with a "cash offer", and you can expect to close in as little as 7 days.

Our Fix & Flip loans don't require personal income and/or tax returns.


loans for flipping homes

Eligible Fix & Flip Properties 


Single Family

Single family residents (SFR's), 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.

fix and flip 100% rehab

Proudly recognized as a Best Mortgage Lender for real estate investors

Proud to be a Scotsmans Guide Top 10 "Best Alliterative Lenders" year after year.  We offer a wide array of home loans for real estate investors, including Stated Income loans (a/k/a NonQualified 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.


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.


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.


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.


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.


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.


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.

“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 Fix & Flip Loan

✔ Funding up to 90% of costs

✔ Closing in 7-10 days

✔ 12-18 month terms

✔ Advance draws

✔ Nationwide lending