Truss Financial Group Unveils $1 Million DSCR HELOC for Real Estate Investors

Truss Financial Group Launches New DSCR HELOC

In a groundbreaking move, Truss Financial Group (TFG), a leading mortgage brokerage known for its alternative lending solutions, has launched an innovative Debt Service Coverage Ratio (DSCR) Home Equity Line of Credit (HELOC) designed specifically for real estate investors. This new program allows investors to tap into up to $1 million in equity from their residential rental portfolios without the usual constraints tied to personal income verification or the need to replace existing low-interest first mortgages.

The introduction of this product comes at a crucial time for investors, as the real estate market has seen a decline in investor home purchases—down 6% year-over-year in Q1 2026—mainly due to persistently high interest rates and reduced rental yields. Many investors find traditional cash-out refinancing options economically unfeasible because they want to keep their historically low first-lien rates, which are currently around 3% to 4%. This phenomenon, referred to as a structural “rate lock-in” effect, has led to a paradox where investors possess substantial home equity but face significant hurdles in accessing it without increasing their primary borrowing costs.

The $1M DSCR HELOC addresses this problem uniquely by focusing solely on the income generated by rental cash flow rather than assessing the borrower's personal income or tax returns. By doing so, the underwriting guidelines permit properties with a minimum DSCR of 0.75 on non-owner occupied units, including single-family homes, condominiums, and planned unit developments (PUDs). Cash flow eligibility is calculated by the ratio of gross monthly rent against the total PITIA (principal, interest, taxes, insurance, and HOA dues). Notably, for properties with a DSCR below 1.0, TFG offers a strategic qualification method using their asset depletion mortgage model, which enables borrowers to leverage their liquid assets to mitigate cash flow shortages.

In addition, if properties face vacancies, the program utilizes Form 1007 Market Rent Studies conducted by appraisers to verify potential cash flow capabilities. This approach essentially allows professional real estate investors to use the DSCR HELOC as a revolving credit reserve, expediting the “Buy, Rehab, Rent, Refinance, Repeat” (BRRRR) cycle. By having ready access to funds, investors can quickly finance renovation works without the delays typical of a standard refinance setup. Furthermore, having a cash-accessible credit line empowers them to put forth earnest money instantly, thereby enhancing their standing in competitive markets where they are vying against corporate buyers.

TFG's CEO and Founder, Jeff Miller, emphasized the innovative spirit behind this offering, stating, “Innovation is about removing the friction between an entrepreneur's vision and their earned capital. In this rebalancing market, home equity should not be a static number; it must serve as an active tool for growth.” The lending program accelerates the funding process through secure digital asset verification and automated property valuation models, which allows for initial lending decisions in mere minutes and full funding obtained in as little as five business days.

To safeguard personal credit and limit liability, TFG also facilitates transactions to be conducted in the name of an LLC.

Founded in 2006 and based in Ladera Ranch, California, Truss Financial Group aims to fill crucial financing gaps for self-employed clients, business proprietors, and real estate investors with its unique products and services. Transitioning away from traditional lending methodologies, TFG’s approach reflects a commitment to address the complex income profiles of today’s borrowers, further enhancing accessibility to capital through innovative lending options, bridge loans, and specialized equity access solutions.

As TFG continues to navigate the complexities of the real estate lending landscape, its DSCR HELOC program stands as a testament to the evolving strategies in mortgage solutions aimed at empowering investors in the challenging market.