Built by Investors to Build Investors
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.

1.5k+
Loans closed
$1B+
Funded
1,500+
Happy clients served
46+
States served nationwide
Built around how you actually make money
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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
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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 UsWe 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.
Foreign National DSCR Loans
U.S. investment property loans for Foreign Nationals — qualify on the property's rental cash flow. Up to 75% LTV; 680+ credit or No Credit Score.
LLC & Entity Lending
Keep loans off your personal credit. Invest through your LLC or business entity.
Multi-Unit DSCR Loans (5–8 Units / 2–8 Mixed Use)
Scale into larger multifamily or mixed-use properties. Qualify on the property's rental cash flow. 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
Standard Doc and 6 alt-doc paths (bank statements, P&L, 1099, written VOE, asset utilization) for entrepreneurs, contractors, and W-2 earners. Up to 90% LTV, loans to $4M.
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 todayYour 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
What our clients say
Real reviews from verified Google clients. Showing our latest 30 five-star reviews.
Rashida the #BOOM Bess
Jul 2026
I had an outstanding experience working with Aaron Beck at Total Quality Lending. From start to finish, the entire loan process was smooth, efficient, and stress-free. Aaron was amazing to work with—he was always easy to reach, responded to all of my questions quickly, and kept me informed every step of the way. What impressed me most was how fast everything moved. Aaron made the process simple, and we were funded much quicker than I expected. If you're looking for a knowledgeable, responsive, and reliable loan officer who truly cares about providing excellent service, I highly recommend Aaron Beck and Total Quality Lending. Thank you for making this such a great experience!
Doug Jones
Jul 2026
Taylor Burkhart did an incredible job - between clearly outlining loan options and supporting me through-out the process to ultimately ensuring the closing was done flawlessly. A true pleasure to work with.
Tiffini Beyerlein
Jul 2026
Working with Jalen, Evan, and Kylee at Total Quality Lending on my cash out refinance was an outstanding experience from start to finish!! I truly cannot say enough good things about my experience with them. Their team is knowledgeable, responsive and incredibly supportive throughout the entire process. They explained every step and Jalen was always available to answer any and all of my questions along the way. They made the experience smooth and seamless. Thanks to them I was able to secure a loan that allowed me the opportunity to start a VRBO. This means a lot to me and I truly appreciate the dedication they brought to helping me achieve my goals. They genuinely care about their clients and the entire team went above and beyond. Their communication is clear and they work hard to find not only a solution, but the best solution for the situation! I couldn’t be happier with my experience and I am so grateful for all of their hard work. 💙
Liju C Raju
Jul 2026
Wow what a team to work with if you are looking for a lender. Zach in particular along with Bradley was outstanding from my 1st call of intro to final loan closure, Zach took great care of me and analyzed my situation and advised the right product for me close the deal in under 21 days from start to finish. There are some companies that live by their standards and I’ve experienced that when I engaged with 100% confidence and Satisfaction that you are indeed working with “Total Quality Lenders !” They were just Amazing and gave me a wow factor to work with. I would love to work again with these great gentleman! Thank you Both for your excellent service and very responsive and caring mentality.
Eric Sim
Jul 2026
Evan was awesome to work with. Clean process, very responsive.
Andrew Weber
Jul 2026
Five stars isn’t enough for this team. Evan Stinnett and Katie Buckley made my STR refinance feel less like a loan process and more like a well-run concierge service—with fewer tiny shampoo bottles and a lot more paperwork. They were responsive, organized, patient, and somehow managed to keep everything moving without making me question my life choices. If you are currently working with a different STR lender, punch them in the face (only figuratively, of course) and come find these guys at TQL!! They were so amazing that I’ve already told my mother-in-law about them—and that’s about the highest referral standard there is...
Imelda Clark
Jul 2026
I had an excellent experience working with Hunter and the entire team at Total Quality Lending. From start to finish, the process was professional, efficient, and surprisingly fast. This was a DSCR loan for my rural investment property near Joshua Tree, and Hunter took the time to understand my goals and worked hard to secure the best terms for my specific needs. He was responsive, knowledgeable, and kept me informed throughout every step of the process. His team made what could have been a stressful transaction feel smooth and organized. If you’re an investor looking for a lender who understands DSCR loans—especially for unique properties like rural short-term rentals—I highly recommend Hunter and Total Quality Lending. Thank you to Hunter and the entire team for making this such a positive experience!
Cole Cooper
Jun 2026
Taylor Burkhart helped the transaction go very smooth and kept everyone up to date throughout! Closed on time in just over 3 weeks. Thanks for the help Taylor!
Arturo M
Jun 2026
I’ve purchased four homes before this one, I was anxious at how smooth this process was going. I felt like I was missing something or even worse, being scammed. Ethan and Katie were great, and when I was traveling and sick, they took initiative with the process, which was a huge help. Thank you again!
Jamie Cheney
Jun 2026
I had the pleasure of working with both Ethan Ogorek and Katie Buckley. Ethan was very communicative from the beginning answering all of my questions about LLCs and different loan products. It made that part so seamless. Once we were approved I worked with Katie. She was phenomenal as well. We ended up closing 6 WEEKS LATER THAN OUR ORIGINAL CLOSE DATE. It was all on the Seller though. Katie and Ethan were excellent during the entire time keeping me updated on what I needed to close. Katie called me to check in when I was (understandably) losing my freaking mind over still not being closed. She was so quick to respond the entire 3 months that they were stuck with me. I think I might win an award for longest closing ever in their office. They were on top of Everything. We actually closed on a property last year and the lending company was atrocious. That’s why we found Katie and Ethan. All of that to say. I cannot recommend this company or these people more. We are FINALLY closed on our Airbnb and will be using them for our next one! Thanks guys. Photo of me included with the loan docs I was finally able to sign.
Marsha J.
Jun 2026
Evan and Kylee are amazing! Super knowledgeable, responsive and a great resource! I can’t believe how smooth and quick everything went. Even my realtor commented how fast they were with getting the appraisal and everything else. A fantastic stress-free experience. Thank you Evan and Kylee! You are the best!
Undranay Broussard
Jun 2026
Total Quantity Lending team is very true to what the say they can do. This is our second go round with them and both times we have closed in 21 days as promised. Hunter was always Johnny on the spot when ever my husband needed to reach him. We both are very pleased with there services. I would definitely recommend them. Thank you all for all your hardwork. It is greatly appreciated Mr. &Mrs. Broussard.
Ken Garner
Jun 2026
Hunter and Katie worked tirelessly to get us refinanced. The obstacles these two worked through to get our refinancing was amazing. We are self employed and our property is one of a kind. We highly recommend them. Thank you for all your hard work. Ken and Diana Garner Little Elm, Tx.
Matthew Sheaffer
Jun 2026
Ethan and Katie did an outstanding job communicating with me throughout the entire loan process—from initial application through to a smooth closing. Their responsiveness, professionalism, and clear guidance made what can often be a stressful experience feel seamless and stress-free. I would highly recommend TQL to anyone looking for a reliable lending partner.
Gloria Fletcher
Jun 2026
Evan has been and still incredible with edu3cating me on how DSCR loan and process works. He is very quick to respond to my text message inquiry as well as my phone calls. He normally take my call day, evenings and weekend. He is rang true to his word. He is reliable, dependable and knowledgeable. I highly recommend this company and anyone looking for a person and company whom work very hard for you. KEEP BEING GREAT, EVAN!
Brian Jungling
Jun 2026
Dominick and Katie were super helpful and made my first STR purchase a great experience!
Jeff Favre
Jun 2026
Simply put, Zachary and Katie are the best! We were so lost, and they did so much for us, kept responding, being clear, being patient, and it all worked out because of them. Cannot recommend enough!
Brielle Forler
Jun 2026
Working with Hunter was a great experience from start to finish. He was always available to answer our questions, kept us informed throughout the entire process, and made everything as smooth and stress-free as possible. As first-time home buyers, there were a lot of things we didn’t know, and Hunter took the time to explain everything clearly and make sure we were comfortable every step of the way. We truly appreciate TQL and would highly recommend them to anyone looking for a mortgage lender.
Bon Jun Koo
Jun 2026
Ethan helped our property search journey perfectly. His fast quote and loan estimates were very helpful.
hana won
Jun 2026
Miles, Dominick, and Katie were absolutely amazing throughout our loan process. Our loan was not an easy one, but they made everything feel seamless from start to finish. They were always responsive, helpful, and great with follow-ups, which made the entire experience much less stressful for us. Most importantly, they worked hard to get us the best rate possible with the least amount of hassle. We truly appreciated their professionalism, patience, and dedication. Highly recommend working with this team!
Scott Skowronski
Jun 2026
I had an outstanding experience working with Dominick and Katie at Total Quality Lending during the purchase of my first investment property. From start to finish, they were professional, knowledgeable, and incredibly responsive. No matter what questions came up throughout the process, they were quick to provide answers and guidance, making what can often be a stressful transaction feel smooth and manageable. What impressed me most was their ability to keep everything organized and on track. They communicated clearly, stayed ahead of deadlines, and worked diligently to ensure there were no surprises along the way. Thanks to their expertise and attention to detail, we closed on time exactly as planned. I highly recommend Dominick and Katie and wouldn’t hesitate to work with them again on future investment properties. They are truly focused on helping their clients succeed!
Niklas Backstrom
May 2026
Dominick and Katie were very knowledgeable and professional. It was a great experience and process from start to finish. Thank you
Kaitlyn Elizabeth
May 2026
I had spoken to several companies for my cash out refi and after one phone conversation I knew this was the right company for me. Taylor stayed on top of everything, and it was the smoothest loan I’ve ever done. He genuinely cared about getting it closed and making the process as stress-free as possible. I highly recommend Taylor! Thank you for all your hard work and helping make this happen! I’m very happy with my choice to use TQL and look forward to working with Total Quality Lending again on my future houses!
Deserie Barragan
May 2026
Many thanks to Dominick Skellato and Katie Buckley for providing us with prompt and knowledgeable service with our DSCR loan process.
Bryan Myers
May 2026
I really had a great experience with Miles VonTobel, Dominick Scellato and Katie Buckley. They came in at a very difficult time for me during very strange life circumstances which made it impossible to work with the 10 to 12 other lenders (no exaggeration ) that I spoke with. With their guidance and patience, I was able to navigate through a very complex and stressful situation with six properties. Now that the first one is done, I plan on refinancing all of them with this wonderful team, and I look forward to working with them as business partners far into the future.
Mica Stinnett
May 2026
I recently had the pleasure of working with Evan Stinnett and Taylor Burkhart at Total Quality Lending for our second mortgage loan, and I can’t recommend them highly enough. From start to finish, they demonstrated exceptional professionalism and expertise that made the entire process smooth and stress-free. They took the time to thoroughly understand our financial situation and goals. They provided us with various options, clearly explaining the pros and cons of each. Their knowledge of the mortgage market is impressive, and they were always available to answer our questions, no matter how small. What truly stood out was his commitment to customer service. Evan and Taylor were proactive in keeping us updated at every stage of the loan process, ensuring we felt informed and confident. Their attention to detail and dedication to finding the best solution for us made a significant difference. Thanks to Evan and Taylor we secured a fantastic rate and terms that exceeded our expectations. If you’re considering a mortgage or refinancing, I wholeheartedly recommend reaching out to either of them at Total Quality Lending. They are a great team , and we are grateful for their support in achieving our financial goals! Mica
J.P. Robinson
May 2026
Evan was incredibly informative and helpful in securing funding for my first duplex. He kept me updated throughout the entire process, and his availability to answer my questions was unmatched. I couldn't be more impressed with his service. Would definitely recommend TQL to anyone looking to get funded!
Valentine Idode
May 2026
It was swift, done within 12 days of my application, great team work lead by Mr Aaron Beck and his team and my target was swiftly meant that was denied by most lenders. At total quality lending closing cost is at its least cost and cheapest I have seen. Truly I was satisfied and will have reasons to use them again and again.
Ryan McFadyen
May 2026
Evan and his team were very supportive in helping me evaluate multiple deals before finally helping me close a cash out refinance on one of my existing properties. I’ll definitely use them again in the future.
Laurel Biddulph
May 2026
I had a wonderful experience with Total Quality Lending in obtaining the mortgage for my beach house. From start to finish, the process was seamless, professional, and far easier than I expected. Hunter Turpin was especially helpful. He answered my calls promptly, responded to every question, and got my pre-approval letter to me right away when I needed it. I was also very impressed with the underwriting process and how smoothly everything came together. I truly could not have asked for a better lending experience. I would gladly give Total Quality Lending a five-star rating and would highly recommend them to anyone looking for a mortgage lender.
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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.