Truss Financial Group is a specialized mortgage lender that caters specifically to the modern entrepreneur and real estate investors who are often underserved by traditional banking institutions. Founded by self-employed real estate investors, the firm focuses on alternative lending solutions that bypass the rigid income verification standards of national retail banks. Truss Financial Group positions itself as a leader in the non-qualified mortgage (Non-QM) space, offering a technology-driven platform that streamlines the borrowing process for those with complex financial profiles.
MINIMUM CREDIT SCORE
620
Lender Dependent
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Barclays Tiered Savings Annual Percentage Yields (APYs) are accurate as of 01/13/2025 and may change at any time without prior notice, before or after the account is opened. The APYs are determined by the Balance Tiers (Tiers) and the amount deposited. The same rate may apply to multiple Tiers and Tiers may change without notice. APY is calculated based on the Tier into which the end of day account balance falls. Fees could reduce the earnings on the account. No minimum balance to open, but for interest to post to your account you must maintain a minimum balance that would earn you at least $0.01. Please see the Compare Account Page for current Tier and APY information. The APY for the Barclays Tiered Savings account for balance tiers greater than $250,000 are currently 10X the national average of 0.46% APY, based on the national average of savings account rates published in the FDIC’s National Rates and Rate Caps, accurate as of 09/16/2024.500
Loan Amounts
Up to $3 million
Lender Dependent
$15K – $750K
$15K – $500K
Overview
The Truss Financial Group No Tax Return HELOC allows homeowners to unlock equity without the requirement for 1040s, W-2s, or 4506-C IRS forms. Instead of evaluating net taxable income, which is often reduced by business deductions, they qualify borrowers using bank statement deposits. This revolving line of credit serves as a flexible path to liquidity for primary residences, second homes, and investment properties, including those held within an LLC or Trust.
Key features
The No Tax Return HELOC is structured for high leverage and rapid funding, often utilizing automated valuation models to speed up the process. The following table highlights the technical specifications as outlined by the lender:
| Feature | Details |
| Verification Method | At least 3 months of bank statements (no tax returns) |
| Combined Loan-to-Value (CLTV) | Up to 85% |
| Credit Score | Solutions available starting at mid-600s FICO |
| Average Funding Speed | As fast as 14 days |
Pros and cons
What we like
- High Leverage Limits
- Unlike many standard alternative lenders, Truss offers Combined Loan-to-Value (CLTV) ratios higher than 80%.
- Streamlined Property Valuations
- Many applications qualify for automated valuation models (AVMs), which eliminate the need for in-person appraisals and some upfront fees.
- LLC and Trust Friendly
- Borrowers can secure HELOCs on investment properties even when held under corporate or trust structures for liability protection.
Things to keep in mind
- Variable Interest Rates
- HELOC rates may fluctuate if they’re variable instead of a fixed rate.
- Asset Reserve Requirements
- Depending on the specific program, borrowers may need to show multiple months of reserves.
- Documentation Intensity
- While tax returns are avoided, the bank statement audit requires at least 3 months of deposit history.
Use cases
Self-employed entrepreneurs often utilize the No Tax Return HELOC to bypass the complications of heavy tax write-offs that lower their taxable income. This program allows them to qualify based on actual cash flow from bank deposits, providing the liquidity needed to reinvest in their businesses or manage personal expenses.
Real estate investors use this product to access equity from non-owner occupied properties, which can then be used as down payments for new acquisitions. Because the program allows for properties to be held in an LLC or Trust, it serves as a strategic tool for scaling a real estate portfolio while maintaining liability protection.
Homeowners looking to consolidate high-interest debt or fund significant home improvements use the line of credit to tap into their home’s value without a lengthy traditional approval process. By using bank statement qualification, these individuals can secure funding for major projects even if their traditional tax documentation does not reflect their full financial strength.
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About our contributors
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Written by Ellen StevensEllen brings over a decade of consumer finance experience to shaping content strategy. She uses her hands-on expertise to provide clear, actionable information, equipping readers with the tools they need to make informed decisions and achieve financial freedom.