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
Your 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
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
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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 todayWhat our clients say
Real reviews from verified Google clients. Showing our latest 30 five-star reviews.
Joe Coffman
Jul 2026
Great Service. Great to work with.
Carlos Freitas
Jul 2026
Taylor is very easy to work with -knowledgeable, timely in his responses, and overall a great loan officer. I would highly recommend to anyone
Ryan C
Jul 2026
Taylor Burkhart at Total Quality Lending went above and beyond throughout the entire process of helping me secure my dream investment property. From the very beginning, Taylor was knowledgeable, responsive, and always willing to answer my questions. He made what could have been a stressful experience feel smooth and straightforward. What impressed me most was his dedication and persistence. Taylor worked hard to find the best solution for my situation and kept me informed every step of the way. I always felt like he genuinely cared about helping me reach my goal, not just closing a loan. If you’re looking for a loan officer who is professional, trustworthy, and truly committed to his clients, I can’t recommend Taylor and Total Quality Lending enough. Thank you for helping make my dream investment property a reality!
Breanne Gomez
Jul 2026
Working with Taylor was an outstanding experience from start to finish. He helped us close quickly and made the entire process incredibly smooth and stress-free. He was always available to answer our questions, kept us informed every step of the way, and was knowledgeable, professional, and responsive throughout. We truly appreciated how easy he made everything and would highly recommend him to anyone looking for a reliable loan officer. Thank you Taylor for helping us get into our new home!
Mary Griffin
Jul 2026
Mike’s and Katie were amazing! I’m the realtor who represented the buyer, so we all worked closely together. This transaction wasn’t easy, but Miles and Katie were always on top of the situation, and got my lovely buyers into their dream home. I look forward to working with them both in the future.
Heather Bledsoe
Jul 2026
Miles and Katie did an awesome job working towards the loan we aimed for at the beginning. They were always encouraging and communicative through the whole process.
Andrew Long
Jul 2026
This lender was amazing, and I feel confident that I got a great deal on my mortgage. I worked with Dominick - he was great, took care of all my needs and answered all my questions. Will be recommending Dominick and Total Quality Lending to anyone that asks!
Tamara Cook
Jul 2026
Really enjoyed working with Dominick and Katie, very smooth transaction.
Noah Harris
Feb 2025
when I hear the name, Dominick Scellato, it gives me peace of mind. I know anytime I work with him that my transaction is going to go smoothly that I have someone on the other end who is confident and willing to do whatever it takes to ensure a smooth process for me and my client. I cannot recommend him enough, I would even say he is the best in the business.
lori struck
Jul 2026
Aaron recently guided me through the process of 2 real estate purchases. I’ve never had a more effortless real estate experience. Thank you!
Lewis Jones
Feb 2026
Dominick made two complex financings feel effortless I had the pleasure of working with Dominick Scellato at Total Quality Mortgage on the financing for two separate short-term rental properties — one in Asheville, NC and one in Chattanooga, TN — and I can't recommend him highly enough. From our very first conversation, Dominick took the time to understand what I was trying to accomplish and walked me through every step of the process with patience and clarity. Financing an investment property comes with its own layers of complexity, and having someone who was proactive, responsive, and genuinely invested in getting the deal done right made all the difference. What stood out most was his communication. I never had to wonder where things stood — Dominick was consistently quick to respond, thorough in his explanations, and always available when I had questions or needed guidance. When we went through the process a second time for the Chattanooga property, that same level of support and attentiveness was there from day one, which told me the first experience wasn't a fluke — it's simply how he operates. If you're looking for a loan advisor who combines real expertise with genuine, responsive support throughout the entire process, Dominick is who you want in your corner. Two closings later, I remain a very satisfied client and wouldn't hesitate to work with him again.
Ken Ervin
Jul 2026
Zachary was extremely patient, understanding, professional and GREAT in communicating! Being a single parent going through this process wasn’t easy. Having no one to talk through this experience and decision with was…tough for me. Zachary did an amazing job being thorough with his explanations in a way a common person, like me, could wrap my head around what he meant. I encourage you to ask for him! I know, I certainly will again next time!!
eric broussard
Jul 2026
Hunter Turpen and his team performed exceptionally well for my wife and I. Hunter is very responsive to phone calls and questions and always seek to resolve any concerns or problems that arise. My wife and I purchased two properties in past 6 months Jan 26 and again in June of 26 with Hunter and he went above and beyond for each transaction. Each property purchased was closed on or within 21 days. Kylie and the underwriter team was fast and accurate with completing and checking all the paperwork that was required to complete the transaction. I would not imagine going anywhere else to purchase my next rental property. TQL is exactly what the name implies Total Quality Lending from the personnel to the product, they are Top Notch. I look forward to my next purchase with you Hunter! 5 Stars!!! Eric K. Broussard Master Sergeant U.S. Army Retired Thanks Eric B.
Rachel Brewer
Jul 2026
Aaron did a fabulous job communicating with us and gettng everything done in time. Being old school, we were a little scared about doing everything online, but it all worked out great! He worked with us, explaining the numbers and negotiating some of them down. I panicked at first when the money didn't come through right away, but then I remembered they said it could take a few days. Make sure you listen to them about this and leave ample time for the money to deposit to your account. The company is legit, honest, and work with integrity.
Donald Hollingsworth
Jul 2026
I had a great experience with Total Quality Lending. Aaron, Caleb, and Kylee were helpful, responsive, and made the process much easier than expected. I purchased a rental home through an LLC, and everything went smoothly. Highly recommend this team and will definitely use them again!
Danyal Andriano
Jul 2026
I'm so thankful I found Total Quality Lending. Dominick and team were absolutely amazing to deal with, and gave me the best rates and terms by far. I shopped around with several lenders and none even came close. Some were in disbelief and told me straight out that it's the best offer I would get and that they couldn't compete. One of their strengths lies in how they understand and take into consideration earning potential on an investment property. I highly recommend this lender and look forward to working with them in the future.
Jay Cobb
Jul 2026
I've had the pleasure of working with Taylor Burkhart at Total Quality Lending on two transactions, and both experiences exceeded my expectations. He was responsive, knowledgeable, and made the entire process smooth from start to finish. His communication and professionalism set him apart, and I never had to wonder where things stood. I fully plan to use his services again and would recommend him without hesitation to anyone looking for a lender who truly delivers.
Bev Duncan
Jul 2026
We recently started working with TQL and they exceeded our expectations. Will most definitely work with them again.
Mike Eichler
Jul 2026
I recently worked with Dominick on a transaction as the buyers agent assisting our client to get to a smooth and easy close. Definitely recommend him and his team!
Dennis Stark
Jul 2026
I worked with Ben and Bradley at total quality lending and they did a great job and helping me purchase a new property as a business venture. Soon my new Airbnb will be open for business! They were very responsive and quick to resolve any open issues. Thank you, Ben and Bradley!
Stuart Fluke
Jul 2026
Everyone was a great joy to work with
Matt N
Jul 2026
Taylor burkhart is all I have to say. This guy is amazing he helped me from start to finish and answered all my questions! It was quick and easy and if you ever need a loan I highly suggest asking this man for help. Thank you TQL!!
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!
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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.