Self-Employed Mortgages

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Finally: Low-Rate Mortgage Loans for Self-Employed Individuals and Real Estate Investors

If you’re an entrepreneur or real estate investor and you’ve ever struggled to qualify for a mortgage loan with low rates, we know exactly what you’re going through. After the financial crisis of 2008, and the passage of the Dodd-Frank Act two years later, self-employed home loan requirements became much more stringent. Most self-employed people and real estate investors could no longer qualify for mortgages from traditional banks.

Truss Financial Group is here to solve this problem and help you qualify for a self-employed home loan.

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We specialize in stated income mortgages and bank statement loans.


Truss Financial Group works with a group of non-traditional banks and financial funds specifically to support the self-employed and real estate investors. We have many creative ways to demonstrate your ability to repay. That’s why year after year, Truss is always in the top 10 of most funded mortgages for the self-employed. Let us help you get the best loan for you at the lowest possible rate.


Contact Truss to qualify now.

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Truss Financial:
Proudly recognized as a Best Mortgage Lender for the self-employed


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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Stated Income Mortgages


As a self-employed small business owner, real estate investor, or entrepreneur, you legally maximize your tax deductions each year. So your tax returns don’t tell your real financial story and ability to repay a mortgage loan. As self-employed real estate investors ourselves, we understand. That’s why Truss offers Stated Income Mortgages and alternative ways to verify your ability to repay.

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Bank Statement Mortgages


If your business shows consistent income, a Bank Statement Mortgage 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.

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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. As long as the rental income covers your debt service, you’ll qualify.
We also offer a “No Ratio” loan for situations where rental income doesn’t cover the debt. If the rental property has a tenant, and you have 25% equity or more and a strong FICO score, we’ll write the loan.

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The Key to a Stated Income Mortgage: The Right Financial Story

At a traditional bank, the income shown on your W2 or 1040 tax return is unlikely to get you the loan you want. Truss understands this, and we work with you to show a more accurate financial picture using other financial statements and documents you already have.
Truss makes stated income mortgages at low interest rates a reality for self-employed and real estate investors.

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Do You Expense Your Personal Life Through The Business?

Deducting expenses through your business is smart. It’s a common entrepreneurial practice that makes it nearly impossible to qualify for most mortgages. But not with a Bank Statement mortgage from Truss.
We use either your business or personal bank statement deposit history, and divide it in half to compensate for expenses. This yields a monthly income figure that qualifies you for a no-income-verification loan at a surprisingly low rate. A Profit/Loss Statement from your CPA may help you qualify for even more.

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Real Estate Investor Cash Flow Loan

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.

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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.”
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“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.”
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“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.”
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Qualify Today For Your Stated Income Home Loan

✔ 90% Loan to Value

✔ 600+ Credit Score

✔ Loan Amounts to $10M

✔ No Tax Returns

✔ Largest Access to Stated Income Lenders