Products Summary

Check out the differentiating features of Truly's product menu, made specifically for Real Estate Investors & Broker Partners. Let's grow, together!

Rental DSCR & Portfolio Loans

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Bridge & Bridge Flex Loans

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Fix & Flip / Rehab Loans

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New Construction Loans

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Rental DSCR & Portfolio Loans

Single Property Rental DSCR Loan Feature Highlights

$90K - $3M | Min. FICO 660

  • Acquisition & Refinances
  • 30/40-Yr Fixed (P&I or IO)
  • Down to 0.80 Min. DSCR
  • Vacant Refinance OK
  • Up to 80% LTV Purchase
  • Up to 75% LTV Cash-out
  • No Experience OK
  • Single Family, 2-4 Units, Condos
  • Non-Warrantable Condos OK
  • PPP 0-5 Years
  • Short-term Rentals OK
  • Individual or Entity
  • Foreign Nationals OK
  • Rate Protection Eligible
Multifamily Property Rental DSCR Loan Feature Highlights

$250K - $3M | Min. FICO 700

  • Acquisition & Refinances
  • 30-Yr Fixed (P&I or IO)
  • Down to 1.00 Min. DSCR
  • 1+ Experience
  • Entity Only
  • Foreign Nationals OK
  • PPP 0-5 years
  • Rate Protection Eligible
  • Single Property with 5-8 units (Multifamily)
Portfolio Blanket Loan Feature Highlights

$400K - $5M | Min. FICO 700

  • Acquisition & Refinances
  • 30-yr fixed (P&I or IO)
  • Down to 1.10 Min. DSCR
  • Up to 80% LTV Purchase
  • Up to 75% LTV Cash-out
  • 2-10 Properties same state
  • No Property Substitutions
  • Single Family, 2-4 Units, Condos
  • PPP 5, 4, 3 Years
  • Short-term Rentals OK
  • Up to 75% LTV Cash-out
  • Entity Only; No Special Purpose Entity Required

Bridge & Bridge Flex Loans

  Bridge Flex Loan Feature Highlights   
*EXCLUSIVE TO TRULY*

$100K - $2M | Min. FICO 660

  • Acquisition & Refinances
  • 30/40-Yr Fixed (P&I or IO)
  • Down to 0.80 Min. DSCR
  • Up to 80% LTV Purchase
  • Up to 80% LTV Limited C/O
  • Up to 75% LTV Cash-out
  • No Experience OK
  • Single Family, 2-4 Units, Condos
  • Non-Warrantable Condos OK
  • Short-Term Rentals OK
  • No PPP
  • Individual or Entity
  • Foreign Nationals OK
  • Rate Protection Eligible
  Standard Bridge Loan Feature Highlights

$100K - $2M | Min. FICO 680

  • Purchases
  • Delayed Financing
  • 12-months IO
  • 2+ Experience
  • No PPP
  • Up to 75% LTV
  • Single Family, 2-4 Units, Condos
  • Non-Warrantable Condos OK
  • Individual or Entity
  • Foreign Nationals OK

Rehab Loans

Standard Rehab / Fix & Flip Loan Feature Highlights

$100K - $2M | Min. FICO 660

  • Acquisition & Refinances
  • 12-months IO
  • No Experience OK
  • No PPP
  • Entity or Individual
  • Foreign Nationals OK
  • Budget self-funded, partial, full
  • Up to 90% LTC
  • True 10% Down Purchases
  • Non-Structural Improvements
  • In-House Construction Mgmt
  • In-House Draw
  Extensive Rehab / Fix & Flip Loan Feature Highlights

$100K - $2M | Min. FICO 660

  • Acquisition & Refinances
  • 12-months IO
  • 2+ Experience
  • No PPP
  • Entity or Individual
  • Foreign Nationals OK
  • Budgets Fully Funded
  • Up to 85% LTC/75% ARV
  • Structural Reno OK
  • Additional sq. ft. OK
  • In-House Construction Mgmt
  • In-House Draw

New Construction Loans

  New Construction Loan Feature Highlights

$100K - $2M | Min. FICO 660

  • Acquisition & Refinances
  • No Experience Required
  • Need experienced GC on project if no experience
  • No PPP
  • Entity or Individual
  • Up to 85% LTC/75% ARV
  • 12-months IO
  • 12-month seasoning to use current land value for equity
  • In House Construction Mgmt
  • In House Draw
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Truly Investor Capital, a division of Oaktree Funding Corp., 3133 West Frye Road, Suite #205 Chandler, AZ 85226 (NMLS # 71640 | In the following states AZ, CA, ID, MN, OR, UT loans are originated and made in the name of Oaktree Funding Corp. NMLS #71640 pursuant to the laws of AZ Mortgage Banker Lic. # 0920541 | CA DFPI Lic. # 6035721), 800-429-5000. ©2025. All Rights Reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Oaktree Funding Corp. is an independent mortgage lender and is not affiliated with the Department of Housing and Urban Development or the Federal Housing Administration. Not intended for legal or financial advice.  All state licensing information may be found at NMLS Consumer Access https://www.nmlsconsumeraccess.org

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