Built by Investors. For InvestorsFinancing Built for Long-Term Rental Investors
Buy-and-hold solutions for single-family, multifamily, and portfolio rentals
Start Financing Your RentalWhy Long-Term Rental Investors Choose Total Quality Lending
Cash-flow friendly terms
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Simplified investor document process
Financing for single or multiple properties
Refinancing options for scaling portfolios
A Smarter Way to Finance Rentals
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Define your rental strategy
Single-Family, multifamily, or portfolio
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Explore investor-friendly loan options
DSCR, conventional, hybrid, and more
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Approval focused
Property Cash Flow, Not Just Income Docs
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Close quickly and start earning
Transform properties into profit centers
Loan Products
Flexible long-term rental financing with as little as 15% down
This loan qualifies investors based on the cash flow of the property, rather than personal income or tax returns. It’s ideal for investors who want to scale their portfolio, preserve personal DTI, and focus on income-producing properties.
Our Hybrid loan blends traditional income documentation with DSCR flexibility with as little as 15% down. It’s perfect for borrowers who want stronger terms without full-doc hurdles.
Properties up to 20 acres with mixed-use financing to 75% LTV and leasehold land accepted give investors more ways to close unconventional deals.
Investor-friendly condo and condotel financing with as little as 15% down and high-investor HOAs allowed. TQL’s Condo-Doc Department guarantees a 7-day review for a flat borrower fee.
From 2–4 units with 15% down to 5–8 unit DSCR loans up to 75% LTV, we help investors scale efficiently. Up to two ADUs are allowed for added income potential.
Foreign national investors can purchase U.S. real estate with financing up to 75% LTV and access cash-out options up to 70% LTV.
Investor Insights Backed by Real Market Expertise
Buying a rental isn't just about getting a loan. It's about making the right long-term decision.
Our team works with investors across the country and provides guidance on:
- Identifying high-yield rental markets
- Understanding DSCR thresholds and rent projections
- Structuring loans to keep cash flow strong
- Using leverage to scale while minimizing risk
Whether you're new to rentals or a seasoned investor, you get a financing partner who can help you make smarter, data-driven decisions.
Ready to Finance Your Next Long-Term Rental?
From first doors to large portfolios, we help you scale confidently