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Hard Money... Soft Terms.
Capital for Investors Who Can't Wait.

Beat out cash buyers with certainty. Truss Financial Group provides asset-based hard money loans for Fix & Flips, Bridge scenarios, and Ground-up Construction.

No tax returns. No personal income verification. Close in as little as 7 days.

Why Professional Flippers Choose Truss.

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Traditional hard money lenders charge predatory fees and offer zero flexibility.

We’ve reinvented the model. We provide the "Hard Capital" you need but with "Soft Terms" that protect your project's profitability.

  • Up to 90% Acquisition / 100% Rehab: Minimize your skin in the game. We fund the purchase and the construction.
  • No Monthly Payments: We can roll your interest payments directly into the loan, preserving your cash flow for the project.
  • Advance Rehab Draws: Don't get stuck waiting for inspections. Get your rehab funds faster so your crew keeps working.
  • Nationwide Lending: Whether it's a single-family flip in Florida or a multi-unit bridge in Texas, we fund it.

The Right Structure for Your Exit Strategy

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Fix & Flip Loans

Designed for 6–12 month projects. High leverage, fast draws, and interest-only structures.

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Bridge Loans

Perfect for "stabilization." If you're buying a vacant property to lease up before moving to a DSCR loan, this is your tool.

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Blanket Loans

Consolidate multiple properties under one hard money line to pull out equity for your next big deal.

Feature Conventional Bank Truss Hard Money
Qualifying Factor Your DTI & Tax Returns The Property's Potential (ARV)
Closing Time 45 – 60 Days 7 – 10 Days
Rehab Funding Not Available Up to 100% Funded
Property Condition Must be "Move-In Ready" Distressed / Shells OK
Experience Req. N/A New & Seasoned Investors OK

 

Qualify Today For Your Hard Money Mortgage

  • ✅ Hard Money...Soft Terms
  • ✅ No Monthly Payments (rolled into the loan)
  • ✅ Advance Rehab Draws
  • ✅ Up to 90% Acquisition LTV
  • ✅ Up to 100% LTV of Rehab Budget
  • ✅ Nationwide Lending
  • ✅ DSCR Loans, Just Use Rental Income to Qualify
  • ✅  Bridge Loans, OK
  • ✅  Fix & Flip, OK
  • ✅  Buy & Hold, OK
  • ✅  Never show tax returns
  • ✅  Purchase or Cash-Out
  • ✅  Unlimited Properties, OK
  • ✅  No Personal Income Needed
  • ✅  Irrevocable Trust, OK 
  • ✅  Fund Into Corporation or LLC, OK
  • ✅  Closings in 7-10 Days
  • ✅  1-50 Units, OK
  • ✅  Equity Based Lending!
Speak to a Hard Money specialist today
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Today's Rate Starting: 7.976% APR*

 

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Unlimited Financed Properties

Real estate investors find it so easy to buy or refinance with Truss. Impinge not having to submit rental agreements, homeowners insurance, and more for each property you own?

Irrevocable Trust Vesting

Yes, we'll close your residential investment property into an irrevocable trust.

Never Show Your Tax Return

Seriously, we can careless about your tax returns. All we care about is the rental income covering the debt service. If you have more than 25% equity in the home, then we don't care about rental income covering the debt.

*Rate/APR is based on a 760 credit score, 50% LTV, no cash out, loan amount of $397,000, on a 7/1 ARM amortized over 30 years. Effective 9/2/2022. NMLS: 2006915.
The loan(s) discussed on this webpage are for Debt Service Coverage Ratio (aka DSCR) loans only. DSCR loans are only for non-owner-occupied properties, that generate income, also considered as a Business Purpose loan. Therefore, this is not a consumer direct home loan. Truss Financial Group, LLC can offer DSCR loans in the following States: AL, AK, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WA, WV, WI, WY, and is subject to change.

 

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Hard Money Intelligence.

What is the maximum LTV for a fix and flip?

We typically fund up to 90% of the purchase price and 100% of the renovation budget, provided the total loan doesn't exceed 75% of the After-Repair Value (ARV).

Do I need a certain credit score?

Since this is an asset-based loan, your credit is secondary. We look for a 620+ FICO primarily to ensure you have a viable exit strategy (like refinancing into a long-term DSCR loan).

Can I close in an LLC?

Absolutely. We encourage all our investors to close in an LLC or Corporation for liability protection.

What is "Hard Money... Soft Terms"?

It means we offer the speed and asset-based approval of "Hard Money" but with the lower points, interest-only options, and professional service typically reserved for "Soft" conventional loans.

The Deal Won't Wait. Neither Should Your Funding.

Join the thousands of investors who use Truss as their private bank. Let's get your next project funded.

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