Truss Financial Group
Truss Financial occupies the high end of the DSCR market with loan amounts up to $30M, the highest ceiling on this list. They serve investors who are buying luxury rentals, multi-unit properties, or high-value assets that exceed the $3M to $5M caps at mainstream lenders. A no-ratio option is available at 75% LTV with strong FICO scores, useful for borrowers who want to skip income documentation entirely. The trade-off is limited geographic coverage: roughly 18 states, and sparse public documentation on detailed terms.
- Up to $30M loan amounts (highest in this dataset)
- No-ratio program at 75% LTV with strong FICO
- 30-year fixed available on large loans
- Focus on high-value and luxury rental properties
Loan requirements
| Minimum DSCR | Not disclosed |
| Minimum FICO | Not disclosed |
| Max LTV (purchase) | 75% |
| Max LTV (cash-out) | Not disclosed |
| Min loan amount | Not disclosed |
| Max loan amount | $30,000,000 |
| Prepayment penalty | varies |
| BRRRR seasoning | Not disclosed |
Programs and coverage
| Short-term rentals (STR) | Not disclosed |
| Foreign nationals | Not disclosed |
| State coverage | ~18 states |
| Channel | Direct to investor |
Best for
- Large portfolio and high-value property investors
How Truss Financial Group compares
Across the 16 DSCR lenders in our database:
- 75% max LTV is conservative. You will need a larger down payment than at most competitors.
For a full side-by-side comparison, see the lender comparison matrix. Or use the DSCR loan qualifier to find which lenders match your specific deal.
Run your numbers
Before reaching out to Truss Financial Group, model your deal:
- DSCR Calculator to verify your property's debt service coverage ratio
- DSCR Loan Calculator to estimate monthly payments and qualification
- Cash-Out Refi Calculator to see how much equity you can pull out
Frequently asked questions
Is Truss Financial Group a good DSCR lender?
Truss Financial Group is a legitimate DSCR lender with terms last verified on 2026-06-11. Whether they are a good fit depends on your specific deal. Compare their terms against 2-3 other lenders before committing.
What is the minimum credit score for Truss Financial Group?
Truss Financial Group does not publicly disclose a minimum FICO requirement. Contact them directly for qualification criteria.
Does Truss Financial Group do short-term rental loans?
Truss Financial Group has not publicly disclosed whether they offer STR programs. Contact them directly to ask.
Does Truss Financial Group work with foreign national investors?
Truss Financial Group has not publicly disclosed whether they offer foreign national programs.
What states does Truss Financial Group lend in?
Truss Financial Group's coverage: ~18 states. DSCR lender state coverage changes over time based on licensing and regulatory requirements. Always confirm your state is covered before starting an application.
What is the prepayment penalty at Truss Financial Group?
Truss Financial Group's prepayment penalty structure is: varies. Compare this against other lenders if you might exit within the penalty period.