Turn Your Income Into Long-Term Real Estate Wealth
Strategic capital, guidance, and investor resources for entrepreneurs, high-income professionals, and real estate investors ready to scale.
From your first property to a growing portfolio, we help you structure, finance, and scale with confidence.
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Loans closed
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States served nationwide
Trusted by 1000+ businesses and entrepreneurs nationwide
Built around how you actually make money
Connect with a loan strategist
We don't just pre-qualify. We create purpose-driven lending strategies that help you scale smart and sustainably.
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Let's Turn Your Income Into Real Estate
Complete a short questionnaire and unlock a personalized strategy to make your income work for real estate
Unlock My Strategy Today!
Invest Smarter With Your Income
We help self-employed and W‑2 professionals turn earnings into real estate wealth with fast approvals and expert guidance
Learn More About Us
Niche ProductsWe Fund What Others Fear
Because complex deals deserve simple solutions
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.
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 & Business Owner Loans
Alternative documentation programs designed for entrepreneurs and independent contractors, no traditional tax returns required to qualify.
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.
See what you qualify for today
Investor toolsYour Edge as a Self-Employed Professional
Every resource here is designed to help you invest with confidence and purpose.
Your Personal Concierge
- Connect with a top 1% vetted investor agent
- Shop for deals, analyze returns, and structure your loan.
- Maximize your tax savings with our expert partners
Exclusive tools
- Free DSCR Cash Flow Performance Analysis Calculator
- STR Revenue Growth Potential Forecasting Estimator
- Free Comprehensive Real Estate Investor Training Course
testimonialsSuccess stories
See how business owners and self-employed buyers got approved with confidence.
Brenna Bowden
Verified Client
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.
Megan Skaggs
Verified Client
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!
Jack McHugh
Verified Client
Taylor and Krystal were nothing short of incredible. Can't recommend working with them enough
Jesse Van Osdol
Verified Client
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!
Lucy Krakow
Verified Client
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.
Austin Pack
Verified Client
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
Tony Rios
Verified Client
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.
Logan Schmucker
Verified Client
Thankful for Evan and the rest of the team at TQL! They made the first-time home buying process extremely easy and straightforward.
Nicole Emerson
Verified Client
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.
Ronald Lewis
Verified Client
Just wrapped up a successful property purchase with the help of Brent McElhany, Chris Paliska, Krystal Arnold, and the Total Quality Lending team! 🙌🏽
Connect With a Loan Officer
Find the right loan officer for your investment goals. Browse our directory and start a conversation today.
Connect With LOBenefitsThe Total Quality Advantage
Experience faster closings, smarter investor-focused solutions, and complete control over your real estate deals.
Win more offers, beat competing buyers
Where we lend
Our lending footprint across the United States. Hover or tap any state to see which products are available — and download the map for your own materials.