Total Quality Lending — STR, DSCR, and Conventional Loans in 42 states including California, Florida, and Texas

About Total Quality Lending

NMLS #1933377. Total Quality Lending Specializes in STR loans With Little As 10% down,  15-day close guarantee, No lender fees on refinances. Our expert team, with 1000+ 5-star reviews, provides competitive rates as a direct lender. Partner with us to build wealth.

Key facts

Who

Total Quality Lending, lender specializing in STR, DSCR, and Conventional loan programs for Airbnb investors.

Loan types

STR • DSCR • Conventional

Loan purposes

Purchase • Rate & Term Refinance

Licensed states

Alabama (AL), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), South Carolina (SC), Tennessee (TN), Texas (TX), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI), and Wyoming (WY)

Proof

5.0★ (5 recommendations)

Languages

English

Contact

Contact on Rabbu

Source

Profile

1. I recently had the pleasure of working with Evan Stinnett and Bradley from Total Quality Lending, and I couldn’t be happier with the experience.

   It was great having them by my side throughout the entire process. Communication was excellent, and Evan was always there whenever I had questions or needed anything related to my mortgage. You can absolutely trust these guys! They made the whole process very smooth. I look forward to working with Evan and Bradley again in the future.

2. 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!

3. 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!

4. I had an amazing experience working with Adam and Katie at Total Quality Lending.

   From start to finish, Adam was incredibly responsive, knowledgeable, and patient with every question I had throughout the process. Even with a few hiccups on my side along the way, he worked hard to keep everything moving and helped get the home closed quickly and smoothly. Katie was also wonderful to work with! She was organized, communicative, and always helpful whenever we needed updates or guidance. Their teamwork truly made a stressful process feel manageable. I’m beyond grateful for everything they did and will absolutely be a lifelong customer. I highly recommend Total Quality Lending to anyone looking for a lender who genuinely cares and goes above and beyond for their clients!

5. I’ve now completed 9 DSCR loans for my short-term rental properties with Total Quality Lending, and I couldn’t be happier with the experience.

   From start to finish, their team has been professional, responsive, and incredibly knowledgeable about investment property financing. My loan officer, Taylor Burkhart, has been outstanding throughout every transaction. Taylor always had my best interest in mind, communicated clearly, and made sure each deal stayed on track. With DSCR loans, experience matters, and it shows. I shopped over 20 different lenders before deciding who to work with, and Total Quality Lending consistently stood out in terms of service, transparency, and overall execution. After 9 successful closings, I can confidently say they’ve earned my long-term business. If you’re an investor looking for a reliable lender who understands DSCR and short-term rental properties, I highly recommend them.

FAQs

• What types of loans does Total Quality Lending offer?

  Total Quality Lending offers financing options tailored for real estate investors, including STR, DSCR, and Conventional loan programs. These loans are designed to help investors purchase or rate & term refinance income-producing properties such as Airbnbs and vacation rentals.

• What can I use these loans for?

  You can work with Total Quality Lending to finance a property purchase or rate & term refinance. Each option is built to support short-term rental or investment property strategies.

• Where does Total Quality Lending operate?

  Total Quality Lending is licensed to provide loan products in 42 states including California, Florida, and Texas.

• Why work with a Rabbu lender?

  Rabbu lenders specialize in financing short-term rental and vacation rental properties. They understand STR income, DSCR qualification, and how to underwrite loans based on Airbnb performance data — making the process faster and more investor-friendly.

• How can I contact Total Quality Lending?

  You can reach out directly through their Rabbu profile to discuss your financing goals. Simply fill out the contact form to get matched with a loan expert for your next STR investment.