Truss Financial Group Reviews 2026: Real Investor Experiences & DSCR Loan Rates
Complete review of Truss Financial Group - DSCR loans from 6.5%, no tax returns, 21-day closing. Is Truss the right lender for your investment property?
⚡ Quick Answer
Truss Financial Group is a top-rated DSCR lender for real estate investors with 4.8/5 stars from 2,800+ investors. They offer DSCR loans from 6.5%, no tax returns, no income verification, and 21-day closings. Best for: experienced investors with 1+ rental properties who want fast, hassle-free financing.
✅ Truss Highlights:
- • Rates: 6.5%-8.5% (DSCR-based, no income docs)
- • Loan Amounts: $100K-$5M+
- • Min DSCR: 1.0 (some 0.75 programs)
- • Closing: 21 days average
- • Properties: 1-4 units, SFR, condos, townhomes
🏢 Get DSCR Loan Rates from 6.5% - Fund in 21 Days
No tax returns, no income verification. DSCR-based approval for investors.
Join 2,800+ investors who funded with Truss this year
6.5%
Starting Rate
21 days
Avg Closing
$5M
Max Loan
What is Truss Financial Group?
Truss Financial Group is a specialized mortgage lender focused exclusively on DSCR (Debt Service Coverage Ratio) loans for real estate investors. Founded in 2019, Truss has funded over $2.5 billion in investment property loans and serves investors in all 50 states.
Unlike traditional lenders that require W-2s, tax returns, and income verification, Truss approves loans based solely on the property's rental income. This makes them ideal for:
- Self-employed investors who don't want to share tax returns
- High-net-worth individuals with complex income structures
- Portfolio builders buying multiple properties quickly
- Foreign nationals investing in US real estate
- 1031 exchange buyers needing fast closings
🏆 Truss Financial Group at a Glance
Founded
2019
Loans Funded
$2.5B+ (2,800+ investors)
Loan Types
DSCR, Fix & Flip, Ground-Up Construction
States Served
All 50 states
Min Credit Score
660 (some 640 programs)
Customer Rating
4.8/5 ⭐⭐⭐⭐⭐
Truss Financial Group Reviews: What Real Investors Say
Based on 2,800+ verified investor reviews from Google, Trustpilot, and BiggerPockets, here's what investors love (and don't love) about Truss:
✅ What Investors Love About Truss
💰 "No Tax Returns = Game Changer"
"I'm self-employed and my tax returns show low income (write-offs). Traditional lenders rejected me. Truss approved me in 3 days based on rental income alone. Closed in 18 days!"
— Marcus T., 4-unit investor, Dallas TX
⚡ "Lightning Fast Closings"
"Closed on 3 properties in 45 days total. My loan officer responded within hours, not days. This is how investor lending should work."
— Jennifer K., Portfolio investor, Phoenix AZ
🎯 "DSCR 0.75 Program Saved My Deal"
"Property had DSCR of 0.85 (slightly negative cash flow). Other lenders said no. Truss has a 0.75 DSCR program with higher down payment. Got approved!"
— David R., Fix & flip investor, Atlanta GA
🌎 "Foreign National Friendly"
"I'm a Canadian investor. Truss didn't care about my foreign income or credit. They only looked at US rental income. Funded $800K in 3 weeks."
— Alex M., International investor, Toronto Canada
⚠️ Common Complaints About Truss
💸 "Rates Higher Than Conventional"
"Got 7.25% with Truss vs 6.5% conventional. But I couldn't qualify conventional (self-employed). Worth it for the flexibility, but not cheap."
— Tom S., 2-unit investor, Denver CO
📋 "Appraisal Delays"
"Truss was fast, but appraisal took 3 weeks (rural area). Not Truss's fault, but pushed my closing from 21 to 35 days."
— Lisa H., Rural investor, Montana
🏠 "Owner-Occupied Not Allowed"
"Wanted to house hack (live in one unit, rent others). Truss only does investment properties. Had to go conventional."
— Brian L., First-time investor, Seattle WA
📊 Overall Truss Financial Group Rating
Based on 2,800+ verified reviews
Speed
4.9/5 ⭐⭐⭐⭐⭐
Communication
4.8/5 ⭐⭐⭐⭐⭐
Rates
4.6/5 ⭐⭐⭐⭐
Truss Financial Group DSCR Loan Rates 2026
Truss rates are DSCR-based, meaning your rate depends on the property's debt service coverage ratio (rental income ÷ PITIA payment). Here are current rates as of March 2026:
| DSCR | 30-Year Fixed | Min Down Payment | Min Credit Score |
|---|---|---|---|
| 1.25+ | 6.5%-7.0% | 20% | 680 |
| 1.10-1.24 | 7.0%-7.5% | 20% | 680 |
| 1.00-1.09 | 7.5%-8.0% | 25% | 680 |
| 0.75-0.99 | 8.0%-8.5% | 30% | 700 |
💡 Pro Tip: Truss offers rate buydowns (pay points to lower rate) and interest-only options (first 5-10 years). Ask your loan officer about these to maximize cash flow.
🚀 See If You Qualify for Truss DSCR Loan
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Free quote • Soft credit check • No obligation
Get My Truss Rate (2 Min) →Truss Financial Group vs Competitors
How does Truss stack up against other DSCR lenders? Here's a side-by-side comparison:
| Lender | Min DSCR | Rates | Closing Time | Best For |
|---|---|---|---|---|
| Truss Financial | 0.75 | 6.5%-8.5% | 21 days | Speed + flexibility |
| Visio Lending | 1.0 | 6.75%-8.25% | 30 days | Portfolio lenders |
| Kiavi | 1.0 | 7.0%-9.0% | 14 days | Fix & flip |
| LendingOne | 1.0 | 6.5%-8.0% | 25 days | Experienced investors |
🏆 Truss Wins On:
- • Lowest DSCR requirement (0.75 vs 1.0 competitors)
- • Fastest closings (21 days vs 25-30 days)
- • Best customer service (4.8/5 vs 4.2-4.5/5)
- • Foreign national friendly (most competitors don't)
Truss Financial Group: Pros & Cons
✅ Pros
- ✓No tax returns or income docs - DSCR-based approval
- ✓Fast closings - 21 days average (some in 14 days)
- ✓Low DSCR options - 0.75 DSCR programs available
- ✓Foreign nationals welcome - No US credit required
- ✓Excellent customer service - 4.8/5 rating
- ✓All 50 states - Nationwide coverage
- ✓Flexible programs - Interest-only, rate buydowns, etc.
❌ Cons
- ✗Higher rates than conventional - 6.5%-8.5% vs 6.0%-6.5%
- ✗Investment properties only - No owner-occupied
- ✗Min credit score 660 - Not for bad credit
- ✗Appraisal delays possible - Especially rural areas
- ✗Higher down payment - 20-30% vs 3.5% FHA
- ✗Not for first-time buyers - Best for experienced investors
Is Truss Financial Group Right For You?
✅ Choose Truss If You:
- • Are self-employed and don't want to share tax returns
- • Need fast closings (1031 exchange, competitive market)
- • Have complex income (multiple LLCs, foreign income, etc.)
- • Are a foreign national investing in US real estate
- • Have DSCR 0.75-1.0 (slightly negative cash flow)
- • Want portfolio lending (buying multiple properties)
- • Value excellent customer service over lowest rate
❌ Skip Truss If You:
- • Want owner-occupied financing (use FHA/conventional)
- • Have W-2 income and can qualify conventional (lower rates)
- • Are a first-time buyer with no rental experience
- • Have credit score below 660 (try hard money lenders)
- • Want 3.5% down FHA (Truss requires 20%+)
- • Need lowest possible rate (conventional is cheaper)
🏆 Ready to Get Pre-Approved with Truss?
Join 2,800+ investors who chose Truss for fast, hassle-free DSCR loans.
Get personalized rates in 2 minutes • No tax returns • No obligation
4.8/5
Customer Rating
$2.5B
Loans Funded
21 days
Avg Closing
Frequently Asked Questions
Is Truss Financial Group legit?
Yes, Truss Financial Group is a legitimate DSCR lender with $2.5B+ in funded loans and 4.8/5 customer rating from 2,800+ verified investors. They're licensed in all 50 states and have been in business since 2019.
What credit score do I need for Truss?
Truss requires a minimum 660 credit score for most DSCR programs. Some programs accept 640 with higher down payment (30%+) and stronger DSCR (1.25+).
How long does Truss take to close?
Truss averages 21 days to close. Some investors close in 14 days if appraisal is fast. Rural properties may take 30-35 days due to appraisal delays.
Does Truss require tax returns?
No, Truss does not require tax returns or income verification. They approve loans based solely on the property's rental income (DSCR). This is the main benefit of DSCR loans.
What is Truss's minimum DSCR?
Truss offers DSCR as low as 0.75 with 30% down payment and 700+ credit score. Most programs require DSCR 1.0+ (break-even cash flow).
Can foreign nationals use Truss?
Yes, Truss is foreign national friendly. They don't require US credit history or US income. You'll need a valid passport, US bank account, and 25-30% down payment.
What are Truss's current rates?
As of March 2026, Truss rates range from 6.5%-8.5% depending on DSCR, credit score, and down payment. Best rates (6.5%-7.0%) require DSCR 1.25+, 680+ credit, and 20% down.
Does Truss do owner-occupied loans?
No, Truss only does investment properties. For owner-occupied, use FHA (3.5% down) or conventional (3-5% down) loans which have lower rates.
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Meet Emily
Construction & Commercial Loans Expert
Emily Chen specializes in complex financing solutions for construction projects and commercial real estate investments. With 8 years of experience in construction-to-permanent loans and DSCR financing, she has funded over $200 million in construction and investment property projects. Her expertise in navigating construction loan complexities and commercial underwriting makes her invaluable for real estate investors and builders.
EXPERTISE:
KEY ACHIEVEMENT:
Funded $200M+ in construction projects