Truss Financial’s Direct Lending Push Could Give US Property Investors Faster Access to Capital
California, US | September 8, 2026: Truss Financial Group is moving deeper into direct lending, a shift that could give US property investors and self-employed borrowers faster access to mortgage financing while giving the company greater control over underwriting and funding.
The California-based mortgage firm has launched in-house underwriting and direct table funding in California. At the same time, it will continue operating its wholesale brokerage network of more than 90 lending partners across 44 states and Washington, D.C.
Direct Lending Could Speed Up Property Financing
By becoming a direct lender for selected loans, Truss can now handle underwriting, approval and funding internally instead of depending entirely on wholesale partners.
For real estate investors, faster turnaround can be valuable when financing is needed to acquire an investment property, refinance existing debt or access property equity before another opportunity is lost.
The company said the new model is designed to improve funding speed and provide greater transparency during the underwriting process.
Investors and Self-Employed Borrowers Are Key Targets
Truss is focusing its direct lending operation on borrowers who may not always fit conventional mortgage requirements.
Its target segments include self-employed borrowers using bank-statement loans, real estate investors using debt-service-coverage-ratio (DSCR) financing, and borrowers seeking home-equity or asset-depletion loans.
This could be particularly relevant for property investors whose qualification depends more on rental income and property cash flow than on traditional employment income.
DSCR Financing Could Give Investors More Flexibility
Truss has already expanded its investor-focused products through DSCR-based HELOCs.
The product allows eligible real estate investors to access up to $1 million in equity across qualifying non-owner-occupied residential properties, including one-to-four-unit properties, condominiums and planned unit developments.
For investors, the ability to access equity without replacing an existing first mortgage can provide another financing option for future acquisitions or property-related expenses.
Hybrid Model Keeps Broader Loan Options Open
Truss is not replacing its brokerage business with direct lending. Instead, the company is combining both models.
Its wholesale network will continue providing access to more than 90 lending partners across most of the US, while its direct channel will give the company greater control in markets where it funds loans itself.
For borrowers, this hybrid structure could mean a wider selection of financing programs while allowing certain loans to move through a potentially faster in-house process.
What It Means for US Property Investors
The expansion could benefit investors who need financing quickly in competitive property markets. Faster underwriting and funding may make it easier to act on investment opportunities, particularly for borrowers with complex income structures.
However, faster access to capital does not automatically make a property investment profitable. Investors still need to compare interest rates, fees, leverage, projected rental income and repayment obligations before taking on additional debt.
More States Could See the Model Next
Truss has initially launched its direct lending operation in California and plans to expand into additional states over the coming quarters.
The expansion will be worth watching as specialized mortgage lenders increasingly develop financing options for property investors and borrowers who may not qualify easily through conventional lending channels.
For the US real estate market, Truss' move highlights a broader shift toward more specialized financing models designed around investors, alternative income documentation and property-backed borrowing.