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The DSCR HELOC: home equity line of credit for investors

Use your rental’s cash flow to fund your next deal

Stop letting your personal Debt-to-Income (DTI) ratio act as a ceiling for your investment potential.
 
With our specialized DSCR HELOC, your rental property’s performance does the talking; as long as the rental income covers the debt service, you qualify regardless of your personal earnings. You can now access your equity with zero personal income verification and absolutely no tax returns, keeping your focus on scaling your portfolio rather than digging through old 1040s.
 
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MARCH 2026 MARKET INSIGHT
HELOC Rates Hit 3-Year Lows: Is Your Equity Working or Waiting?

As of March 12, 2026, the national average HELOC rate has cooled to 7.23%.

With the Fed signaling further cuts, the "wait and see" era is over. While big-box banks are tightening their belts requiring 700+ scores and W-2s Truss Financial Group is opening doors:

  • Self-Employed? Qualify using 12–24 months of Bank Statements (No tax returns required).
  • Retired or 62+? Use our Senior HELOC to access tax-free cash with no monthly mortgage payments perfect for eliminating high-interest debt or supplementing retirement income.
  • Investor Focused? We leverage equity on Investment Properties and second homes where others won't.
  • Flexible Credit: Solutions available for scores as low as 640.
  • Speed to Funding: Get a digital decision in minutes and cash in as little as 5 business days.
Unlock Your Equity in 90 Seconds

Click on the video to learn more 

 Finally, a HELOC that scales with your portfolio 

Traditional HELOCs are a nightmare for "house-rich, cash-flow-heavy" investors. Banks want to see your W2s and a low Debt-to-Income (DTI) ratio across your entire life.

The DSCR Advantage: We look at one thing, does the property pay for itself? If the rental income covers the mortgage and expenses (a ratio of 1.0 or higher), you’re qualified. At Truss Financial Group, we also do DSCR below 1 via the asset depletion method. 

  • No DTI Limits: Your personal debt (cars, student loans, primary mortgage) is irrelevant.
  • Unlimited Properties: Once you understand the DSCR model, you can open lines of credit across your entire portfolio.
  • LLC Friendly: We close in the name of your LLC to keep your personal credit clean and your liability protected.

 

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 Our program highlights for the modern investors 

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  • Max CLTV: Up to 80% (Combined Loan-to-Value).
  • Property Types: 1–4 Units, Condos, and PUDs (Non-Owner Occupied).
  • Minimum DSCR: As low as 0.75 (We can lend even if the property is slightly cash-flow negative).
  • Loan Amounts: $50,000 to $2,500,000.
  • Credit Score: 660 minimum for best rates.
  • Draw Period: 10-year draw period with interest-only payment options.

 How professional investors use a DSCR HELOC? 

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1. The "BRRRR" Accelerator

Use the line of credit to fund the "Rehab" of a new property without waiting for a total cash-out refinance.

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2. The Earnest Money Fund

Have "Ready-to-Go" cash to make non-contingent offers and beat out competitors in hot markets.

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3. Property Upgrades

Fund a new roof or an ADU (Accessory Dwelling Unit) to increase your rent and further improve your DSCR.

Truss Financial Group's HELOC spectrum: finding your perfect fit

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1. Digital HELOC

 Our flagship high-speed product. Best for homeowners wanting a 100% online experience, $0 appraisal fees and funding in as little as 5 business days. 
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2. No Tax-Return HELOC

 Qualify for a competitive rate using alternative documentation. This "No-Doc" option is engineered for those with complex income who need a streamlined approval process. 
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3. HELOC For Seniors

Designed specifically for homeowners in or near retirement. Use your home’s equity to supplement fixed income, cover healthcare costs, or manage estate planning while maintaining full ownership of your home. 
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4. Bank Statement HELOC

Perfect for self-employed borrowers or business owners who have high cash flow but take significant tax deductions. We verify your income using 12–24 months of bank statements rather than traditional tax returns. 
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5. First Position HELOC

Replace your current mortgage with a single, flexible line of credit. This powerful tool allows you to use your income to pay down your principal faster, potentially saving you thousands in interest over the life of your loan. 
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6. No-Appraisal HELOC

Our exclusive No-Tax Return HELOC empowers self-employed entrepreneurs, 1099 contractors, investors, and seniors to unlock home equity without the burden of traditional paperwork. 

DSCR HELOC: what you need to know

How is the DSCR calculated for a HELOC?

We take the Gross Monthly Rent and divide it by the PITIA (Principal, Interest, Taxes, Insurance, and HOA dues). For example, if your rent is $2,000 and your total expenses are $1,600, your DSCR is 1.25.

Can I get a DSCR HELOC on a vacant property?

Yes. If the property is currently vacant, we can use an Appraiser’s Form 1007 (Market Rent Study) to determine the potential cash flow and qualify the loan.

Do I need to provide personal bank statements?

Only for the purpose of showing you have the "reserves" (usually 3–6 months of payments) to handle the loan. We do not use them to calculate your personal income.

Is there a prepayment penalty?

Most DSCR HELOCs feature a "lock-out" period or a small fee if closed within the first 1-3 years, though options vary. We’ll help you choose the structure that fits your exit strategy.

Your portfolio is sitting on millions let’s put it to work

Truss Financial: Proudly recognized as a Best Mortgage Lender for the self-employed and real estate investors. We specialize in the complex files that big banks reject. Get a DSCR-based quote today and keep your personal income out of the equation.

Calculate Your DSCR Now

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.

entrepreneurs jeff and jason for TFG

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.

HELOC closed in under 15 days

Marshall was kind, patient, polite and professional with me. We got a HELOC loan and in less than 15 days they were able to do the closing! It was a great experience!

Marislea R.

Best loan officer in 37 years of real estate

Marshall was absolutely THE BEST mortgage loan officer I've ever dealt with and I have been a Real Estate Broker for 37 years! He is knowledgeable, professional, and prompt in communication.

Shelia S.

HELOC approved when others said no

All the other lenders turned me down but Caesar was able to get me the HELOC I needed and saved me. It was fast and is already finished.

Ronny T.

Informative HELOC process

I worked with Reza & Delania & they were very informative regarding my HELOC and the process was easy!

Daniel R.

Smooth HELOC and first rental purchase

Delania quickly got us done on our HELOC and has been instrumental in helping us purchase our first rental property. We will continue to work with her and the team at Truss.

Justin S.

Easy HELOC for self-employed

Chris was a great help and the whole experience was super easy. I needed this type of HELOC as I am self employed.

Scott D.

Solution when no one else would help

Marshall and Betty worked incredibly hard on our 2nd mortgage. NO OTHER company would help us the way they did. They found a solution that made sense and held our hand throughout the process.

Liz W.