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If your business shows consistent income, a bank statement HELOC can help you qualify for a mortgage despite taking many write-offs. We use anywhere from 3-24 months of your business or personal bank statement deposit history, then divide it in half to compensate for your expenses. We use the resulting number to document your monthly income and help you qualify for a low-rate mortgage loan.
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.
- 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.
- 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.
The "BRRRR" Accelerator
Use the line of credit to fund the "Rehab" of a new property without waiting for a total cash-out refinance.
The Earnest Money Fund
Have "Ready-to-Go" cash to make non-contingent offers and beat out competitors in hot markets.
Property Upgrades
Fund a new roof or an ADU (Accessory Dwelling Unit) to increase your rent and further improve your DSCR.
TrussFinancial:
Proudly recognized as a Best Mortgage Lender for the self-employed and real estate investors
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.
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No DocHELOC
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Bank Statement HELOC
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No Tax Return HELOC
When all else fails, a No Doc Loan can make it happen.
Do You Expense Your Personal Life Through The Business?
Cash Flow Loans for Real Estate Investors
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!
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.
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.
Informative HELOC process
I worked with Reza & Delania & they were very informative regarding my HELOC and the process was easy!
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.
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.
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.