Truss Financial Group is a non-QM mortgage shop best known for self-employed and bank-statement borrowers. DSCR is one of their products alongside bank statement loans, asset-based loans, and conventional non-QM. They market heavily to self-employed business owners and have a national footprint.
This is an independent head-to-head between DSCR Capital Partners and Truss Financial — what each one specializes in, where pricing differs, and which scenarios favor each lender.
The 30-Second Summary
Truss Financial is a non-QM generalist focused on self-employed and bank statement borrowers. Strong on owner-occupied non-QM, P&L-only loans, and asset-based lending. DSCR is competitive but not their core specialty. Limited foreign national / ITIN. No California bridge.
DSCR Capital Partners is a wholesale-broker DSCR shop with access to 8-12 wholesale investors. We're DSCR-specialized and shop pricing across multiple lenders per file. Better positioned on long-term DSCR pricing, foreign national, ITIN, condotel, STR, and California jumbo bridge.
Side-by-Side: 2026 Program Comparison
| Feature | DSCR Capital Partners | Truss Financial |
|---|---|---|
| 2026 Rate Range (DSCR purchase) | 6.50–7.75% | 7.25-8.50% |
| Max LTV (purchase) | 80% | 80% |
| Min FICO (DSCR) | 620 | 660 |
| Loan Amount Range | $100K–$15M | $100K–$5M |
| Typical Close Time | 21–30 days | 25–40 days |
| Bank Statement Loan | Through panel | ✓ Their core specialty |
| P&L-Only Loans (Self-Employed) | Through panel | ✓ Their specialty |
| Asset-Based / Asset Depletion | Through panel | ✓ Yes |
| Foreign National (DSCR) | ✓ Yes (70% LTV) | Limited |
| ITIN Borrowers | ✓ Yes (75% LTV) | Limited |
| Short-Term Rental (Airbnb) | ✓ AirDNA accepted | Varies |
| 5+ Unit Multifamily DSCR | ✓ Yes (70–75% LTV) | Limited |
| Condotel | ✓ Yes (70% LTV) | Limited |
| California Bridge $1M+ | ✓ 8.5% IO, 14–21d close | No |
| Sub-1.0 DSCR / No-Ratio | ✓ Yes | Limited |
| Direct Lender vs Broker | Wholesale broker (multi-lender) | Direct lender / broker hybrid |
Where Truss Financial Wins
- Self-employed and bank-statement loans. Truss is one of the best-known names in self-employed non-QM. If you're a business owner buying or refinancing a primary residence or owner-occupied second home, they're a strong choice.
- P&L-only loans. CPA-prepared profit-and-loss-statement qualification (without tax returns) for self-employed borrowers. Niche product Truss does well.
- Asset depletion programs. High-net-worth borrowers using investment account balances to qualify rather than employment income. Truss has a polished program here.
- One-stop non-QM shop. If you need a DSCR for your rental AND a bank statement loan for your primary, Truss can handle both inside the same operation.
Where DSCR Capital Partners Wins
- DSCR-specialty pricing. Truss's DSCR is one of many products. Our entire pipeline is DSCR. We see significantly more DSCR scenarios per month and shop pricing across 8-12 wholesale investors per file — better placement on standard files.
- Lower FICO floor. 620 vs Truss's 660. Material gap on sub-680 files.
- Foreign national and ITIN. Multiple dedicated programs on our panel vs limited / case-by-case at Truss.
- STR / Airbnb DSCR. AirDNA-based projections accepted across our panel. Truss is more conservative here.
- 5+ unit multifamily and condotel. Multiple programs available; Truss is more SFR / 2-4 unit focused.
- California jumbo bridge. $1M-$20M CA bridge (8.5% IO, 14-21d close) is a different product Truss doesn't offer.
- Faster close. 21-30 days standard vs Truss's 25-40.
Which Lender Should You Choose?
Choose Truss Financial if:
- You need a bank statement, P&L-only, or asset depletion loan for a primary residence
- You're self-employed and want a single lender for both DSCR rental and owner-occupied financing
- Your DSCR file is clean (660+ FICO, DSCR ≥ 1.10, SFR property) and Truss's quoted rate is competitive
Choose DSCR Capital Partners if:
- You're focused on a DSCR investment property loan and want multi-lender shopping
- Your file has any complexity — sub-660 FICO, sub-1.0 DSCR, STR, condotel, 5+ unit, foreign national, or ITIN
- You're closing a California $1M+ jumbo file (DSCR or bridge)
- You want a 21-30 day close (vs Truss's 25-40)
- You want a single loan officer for the entire file
Get a Quote and Compare
30-second eligibility check. No credit pull. We'll quote against any Truss offer.
Check My Eligibility →Frequently Asked Questions
Truss is a credible non-QM lender particularly strong on self-employed primary residence loans. For DSCR investment properties, multi-lender shopping typically uncovers better pricing because Truss's DSCR is one of several products rather than their specialty.
Truss's 2026 DSCR rates run roughly 7.25-8.50%. DSCR Capital Partners typically prices in the 6.50-7.75% range. The gap reflects our multi-lender shopping model vs single-program quotes.
Truss's foreign national program is limited and case-by-case. ITIN borrower options are similarly limited. We close both types regularly through dedicated programs across our wholesale panel.
Truss's DSCR floor is typically 660 in 2026. Below that, our panel goes to 620 on multiple programs.
Yes — this is a perfectly reasonable split. Truss's strength is owner-occupied non-QM (bank statement, P&L, asset depletion). Our strength is investment property DSCR. Many investors use a different lender for each side.
Compare to Other DSCR Lenders
Related Resources
- 2026 DSCR Loan Requirements
- DSCR vs Bank Statement Loan
- DSCR Credit Score Matrix
- Largest DSCR Lenders in the USA
- DSCR Glossary
DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548). Truss Financial Group is a separate company; trademarks belong to their respective owners. This comparison reflects publicly available information as of May 2026 and our experience competing against Truss on shared deal flow. Rates and program terms are subject to change. Equal Housing Lender. Not a loan commitment.