We help everyday Americans and investors build wealth through real estate.
Close in as little as 15 days with loan programs built for modern real estate investors and entrepreneurs.
Trusted by 1000+ businesses and Investors nationwide
Start with the strategy that fits you best
Built for real estate investors
We empower real estate investors to build long-term wealth and live life with purpose. Real estate is a proven path to financial freedom, and our mission is to make that path easier. We provide clear guidance, dependable financing, and the support investors need to take confident action, whether they are buying their first property or scaling a portfolio.
Loans for Airbnb, Long-Term Rentals & Multi-Unit Properties
Flexible financing to help you buy more properties, grow rental income, and scale your portfolio faster.
DSCR Loans
Qualify using rental income, not personal tax returns. Perfect for first-time investors.
LLC & Entity Lending
Keep loans off your personal credit. Invest through your LLC or business entity.
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Multi-Unit Loans (5–9 Units)
Scale into larger multifamily properties. Rental income-based approval. Up to 75% LTV.
Condotels & Non-Warrantable condos
As low as 15% down. High investor-ratio and leasehold properties OK. Fast in-house condo-doc review.
Self-Employed Investors
Loans designed for 1099, bank statement, or P&L income. No W-2 required. Perfect for business owners.
Short-Term Rental Loans (Airbnb / VRBO)
Optimized for vacation rental income. Buy with 15–20% down. No previous Airbnb history required. Condotels and non-warrantable condos OK.
Looking for something different? We offer a full range of investor-friendly loans.
Answer a few questions and get a custom lending plan built for your investment goals.
Exclusive resources
Every resource here is designed to help you invest with confidence and purpose.
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Success stories
Discover why clients choose TQL for mortgages, refinancing, and investment lending.
I had such a positive experience working with Dominick and Krystal. They were both incredibly helpful and made the entire loan approval process smooth and stress-free. Their guidance and support made everything so much easier, and I truly appreciated how responsive and professional they were.
Dominick was great to work with on our transaction with my investor client! He was very responsive and did everything he could to make sure the transaction went smooth from start to finish. Had great knowledge on STR’s specifically which made the process even more streamlined!
Taylor and Krystal were nothing short of incredible. Can’t recommend working with them enough
Big shout out to Sean with Total quality lending. He was truly enjoyable to work with. He was knowledgeable, honest, and really respected my time. He was able to help me get approved in ways that other lender couldn’t. Thank you Sean!
Working together with their underwriter Joel, they moved mountains to get everything approved and closed on time. Their communication was incredible — I always felt supported and informed, even through the stressful parts. On top of that, they ended up saving me tens of thousands of dollars compared to the lender I almost went with.
Dominick and Kim were true professionals from start to finish. As hiccups always happens with these deals, they remained poised and kept fluid updates throughout keeping the clients goals top of mind. Dominick will Now be a go to lender for my team which operates the Disney Corridor area
These people were very helpful and transparent. The app made it easy to understand what was going on and any questions I had were not only answered but was given more information about the subject such as what my house could rent for, how and where I could get started with tenant screening, strategies, etc. Abraam was professional and far more insightful than I expected. Would definitely recommend him.
Thankful for Evan and the rest of the team at TQL! They made the first-time home buying process extremely easy and straightforward.
It was great working with TQL. They made the process super smooth and easy. The team was excellent with communication. They were able to close our loan in a timely manner. I would definitely recommend TQL to others.
Just wrapped up a successful property purchase with the help of Brent McElhany, Chris Paliska, Krystal Arnold, and the Total Quality Lending team! 🙌🏽
The Total Quality Advantage
Experience faster closings, smarter investor-focused solutions, and complete control over your real estate deals.
Win more offers, beat competing buyers
One flat fee, no hidden charges
DSCR, STR, Condotel, LLC loans
Avoid bad investments and maximize returns
Keep debt off your personal credit
Underwriting fee waived