Tomo — STR, DSCR, and Conventional Loans in 36 states including California, Florida, and Texas

About Tomo

NMLS #2059741. A digital mortgage company for the modern investor, with no lender fees. Our Conventional Investor Program has common sense underwriting, saving investors 0.5%-1% in interest vs. the competition. We can close in 15-days for fast-moving deals and have a 98% on time close rate.

Key facts

Who

Tomo, lender specializing in STR, DSCR, and Conventional loan programs for Airbnb investors.

Loan types

STR • DSCR • Conventional

Loan purposes

Purchase

Licensed states

Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), District of Columbia (DC), Florida (FL), Georgia (GA), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maryland (MD), Michigan (MI), Minnesota (MN), Nebraska (NE), New Jersey (NJ), North Carolina (NC), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), and Wyoming (WY)

Proof

4.8★ (5 recommendations)

Languages

English

Contact

Contact on Rabbu

Source

Profile

1. I shopped around for mortgage quotes.

   I compared 3-5 companies. Tomo had the best rates for my situation and they were able to close in a very quick timeframe in my case. If you have the opportunity to work with Donatello, he was extremely helpful during my interactions with him. Now I am not sure how they are post closing. I hope they don't let me down.

2. John and crew at Tomo Mortgage were the easiest to work with.

   The fee's were low in comparison to other companies. John,Allison and Benjamin are the best in the business, communication was key for me as well as the fee's. Everything was on point! Not only for 1 loan but for 2 loans being done simultaneously. I can't express enough how easy they made it for me. They were always available when needed and super nice and informative along the process. I would not hesitate to use them again and will be referring John and Crew to friends and family.👍❤️❤️❤️

3. Kate was the first person that got our loan moving in the right direction and she was great to work with.

   Elliott was also super helpful. They followed through with everything in a timely manner and we were able to close within our needed time frame - because we were in a bit of a time crunch. They made it happen, were professional, thorough, and knowledgeable. I would definitely recommend Tomo Mortgage.

4. As a first time home buyer during volatile market, anxiety ran high!

   I was anxious to even begin the process but once I connected with a friend at Tomo (Sean G) and told him I may have found a house, he pointed me in the direction of senior loan advisor, Ted, who immediately calmed my nerves. He educated me on the process and with an easy upload of documents, he very quickly got me a pre-approval to show up serious to the seller. Within a few days we were in contract and although we went with a delayed closing, he walked us through all stages along the way. I would definitely recommend to anyone!

5. My wife and I used Tomo Mortgage to purchase our 2/2 beachfront condo in Florida a few months ago.

   At the time our credit score was over 860, however other lenders did not want to attempt to help us with a Florida condo. Tomo Mortgage took us on and made the purchase smooth and painless! I am a real estate broker and have purchased and sold many homes throught the years, and this condo was the absolute easiest purchase we have ever made. I will definitely be reaching back out to Tomo when I am ready to purchase my next beach condo!

FAQs

• What types of loans does Tomo offer?

  Tomo offers financing options tailored for real estate investors, including STR, DSCR, and Conventional loan programs. These loans are designed to help investors purchase income-producing properties such as Airbnbs and vacation rentals.

• What can I use these loans for?

  You can work with Tomo to finance a property purchase. Each option is built to support short-term rental or investment property strategies.

• Where does Tomo operate?

  Tomo is licensed to provide loan products in 36 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 Tomo?

  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.