No Doc HELOC | Home Equity Line of Credit

Traditional lenders are stuck in the past. They look at your Net Taxable Income, the number left over after your accountant works their magic with deductions and write-offs.

To a big bank, you look like you don’t make enough.

To us, you look like a savvy business owner.

We ignore the 1040s and focus on your Actual Cash Flow.

By using your bank statements to verify income, we see the true strength of your business, allowing you to access up to $3,000,000 in equity that other banks simply can't reach.

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Why high-net-worth entrepreneurs choose Truss Financial Group?

Bank Statement Income

We use 12 or 24 months of deposits to calculate your qualifying income. Perfect for those with complex tax returns.

Investor-First Guidelines

We lend on primary residences, second homes, and non-owner-occupied investment properties held in personal names or LLCs.

High CLTV Limits

Access up to 85% Combined Loan-to-Value (CLTV). Most "No-Doc" lenders cap you at 70%. We go higher.

Interest-Only Options

Maximize your monthly cash flow with interest-only payment periods, keeping your overhead low while you deploy capital.

Traditional HELOC lenders vs. Truss no-tax return HELOC

Feature	Big Banks (Retail)	Truss Financial Group
Verification Method	W2s & 2 Years Tax Returns	12 Months Bank Statements
Self-Employed Friendly?	No (High DTI Hurdles)	Yes (We provide Specialized Programs for Self-Employed Borrowers)
IRS Form 4506-C	Mandatory	Not Required
Property Types	Primary Only	Primary, Rental & LLC-Owned
Speed to Fund	45–90 Days	As Fast as 14 Days

I. THE DIGITAL DISCOVERY

Complete our streamlined online application. Our AI-driven system performs a soft credit pull to instantly determine which of our 50+ alternative lending programs fits you best.

II. THE DOCUMENT UPLOAD

Forget the filing cabinet. Simply upload your bank statements via our secure portal. Our underwriters specialize in "Alt-Doc" files, meaning we move at the speed of your business.

III. THE CLOSING

Sign your docs electronically or with a mobile notary. Your line of credit is established, giving you a revolving source of funds for renovations, down payments on new 1031 exchanges, or business scaling.

In some situations, a “no tax return HELOC” mortgage is the best or only option

That’s a loan that requires very limited to no documentation of income or ability to repay. No Doc loans are sometimes known as a No Tax Return Mortgage or a No Income Verification Mortgage.

And typically, “no-doc” mortgages are handled by Hard Money lenders that charge super-high rates. Usually, we can help you avoid that.

For example, if you're an investor, we can help you qualify using a DSCR loan -where approval is based on your property's cash flow, not your personal income.Talk to Truss. Find out how easy it is to get the mortgage money you need at the lowest possible rates.

Truss Financial Group: the industry leader in "no-doc" equity solutions

Truss Financial Group is proudly recognized as the premier No-Doc HELOC lender, dedicated to serving the specific financial needs of self-employed visionaries and seasoned real estate investors. We offer a wide array of home loans for the self-employed, including Stated Income loans, also known as Non-Qualified (Non-QM) 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.

No Doc HELOC

No Doc HELOC's 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.

Bank Statement HELOC

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.

No Tax Return HELOC

Forget about tax returns and income verification! With our No Doc HELOCs, you won't need to provide any documentation of income or prove your ability to repay.

Whether you're in search of a mortgage without income verification, a home loan without tax returns, or looking to refinance with no income, our true No Doc loan is the perfect solution for you. And the best part? We have various ways to help you qualify with lower rates and fees. Let us take care of the paperwork while you enjoy the benefits!

HELOC For Investors

Transform Your Portfolio into a Growth Engine Unleash the full potential of your real estate holdings by tapping into the latent equity within your portfolio to fuel your next acquisition or aggressively scale your business operations.

Unlike traditional lenders who shy away from complex portfolios, our Investor-First Guidelines allow you to leverage equity from primary residences, second homes, and even non-owner-occupied investment properties held in personal names or LLCs. We empower you with the liquidity needed to move fast on new opportunities without the restrictive debt-to-income hurdles found at retail banks.

HELOC For Seniors

Homeowners aged 55 and better can now successfully access their home's equity through our specialized programs designed to support a secure, flexible, and vibrant retirement. We recognize that your home is often your greatest asset; our mission is to help you unlock that wealth so you can enhance your lifestyle, manage unexpected expenses, or provide for your family without the stress of traditional income verification. Experience the peace of mind that comes from a tailored financial solution that respects your years of hard work and financial stability.

No-Appraisal HELOC

To further accelerate your journey to liquidity, we offer an exclusive No-Appraisal HELOC that allows you to bypass the industry's biggest bottleneck. By waiving traditional appraisal fees and skipping time-consuming property inspections, we enable you to move toward a guaranteed closing with unparalleled speed. This streamlined approach ensures you get the fast, flexible capital you need exactly when you need it, effectively removing the traditional hurdles that stand between you and your equity.

Frequently asked questions

What is the minimum credit score for a No-Doc HELOC?

At Truss, we generally look for a 660 FICO score or higher. However, for borrowers with significant equity (lower LTV), we can often find flexible solutions for scores in the mid-600s.

Can I use a HELOC to buy more investment property?

Absolutely. This is the #1 use case for our clients. By using a No-Tax Return HELOC, you can use your existing equity as a "down payment fund" to grow your real estate portfolio without liquidating other assets.

Do you offer No-Tax Return for LLCs?

Yes. We are one of the few brokers that work with a wide range of national lenders that allow you to take out a HELOC on a property title held in an LLC or a Trust, providing you with the liability protection you need.

What are the current rates for Bank Statement HELOCs?

Rates for alternative documentation loans are slightly higher than traditional "full-doc" loans to account for the flexibility. However, for the self-employed, the tax savings of your write-offs usually far outweigh the minor difference in interest rate.

Is it possible to get a home loan without ITR (Income Tax Returns)?

Yes, it is entirely possible to secure a home loan without providing traditional Income Tax Returns (ITR) when you work with a specialized "No-Doc" lender like Truss Financial Group. While traditional retail banks mandate two years of W2s and tax filings, our No Tax Return HELOC program allows you to bypass the 1040 requirement entirely. We focus on your Actual Cash Flow through your bank statements or the rental income generated by your properties (DSCR), ensuring that your high tax write-offs no longer stand in the way of your funding goals. Whether you are a self-employed entrepreneur or a 1099 contractor, we offer a direct path to liquidity without the need for the invasive IRS Form 4506-C.

Does a HELOC hurt your taxes?

A HELOC is designed to be a flexible financial asset, and at Truss Financial Group, we ensure it does not interfere with your existing tax strategies. Traditional lenders often let your tax deductions "hurt" your ability to borrow, but our No-Doc HELOC ignores those write-offs and recognizes the true strength of your business income. This empowers you to maintain your aggressive tax planning while still accessing up to $3,000,000 in equity for property renovations, business scaling, or new investments. While we recommend consulting a tax professional regarding specific interest deductibility, our goal is to provide fast, flexible capital that rewards your business success rather than penalizing your tax efficiency.

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.

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.

The no-tax return HELOC (home equity line of credit)

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Tired of being "too successful" to qualify at a traditional bank?

Why high-net-worth entrepreneurs choose Truss Financial Group?

Traditional HELOC lenders vs. Truss no-tax return HELOC

No-tax return HELOC process: from application to funding in 3 simple steps!

Have a low first mortgage rate? Can't show tax returns?

Primary residence

Second home

Investment property

In some situations, a “no tax return HELOC” mortgage is the best or only option

Truss Financial Group: the industry leader in "no-doc" equity solutions

Frequently asked questions

Built by entrepreneurs for entrepreneurs™

See what our clients say about us

Get a free rate quote for a no tax-return HELOC