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. ⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ (10/10 Stars) My wife and I currently own and manage a portfolio of over 400 properties throughout Montgomery, AL and the surrounding tri-county area.

   In addition, we jointly own approximately 70 properties with a close business partner and his wife. Needless to say, we have significant experience working with lenders. Recently, we had a deal involving a property that was considered rural — and as many investors know, rural properties can be extremely challenging to finance. After speaking with at least 10 different lenders and hitting roadblock after roadblock, we were starting to think the deal just wasn’t going to happen. Then we came across Total Quality Lending. They told us confidently they could get it done — and that is exactly what they did. A special thank you to Taylor, Hunter, and Katie. Their professionalism, communication, and follow-through were top tier. They guided us every step of the way, kept us informed throughout the process, and delivered exactly what they promised. No surprises. No runaround. Just results. In an industry where execution matters, Total Quality Lending delivered. We give them 10 out of 10 stars and look forward to doing many more deals together in the future. — Tony & Shaun Richards

2. 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.

3. I wanted to share my experience with TQL: It was a great one!!

   Evan Stinnett was fantastic from day one. He was on top of everything, even taking my questions outside of business hours. Katie Buckley was extremely helpful in regards to meeting conditions required for underwriting. This is my first investment property loan and it was a bit nerve wracking to say the least but, with the help of TQL it was very smooth process to my surprise. I highly recommend them for new or seasoned investors! THANKS AGAIN TQL!

4. Working with Total Quality Lending on my short-term rental portfolio has been an outstanding experience, and that starts with Dominick Scellato.

   As my loan officer, Dominick brought a rare combination of deep product knowledge and genuine commitment to understanding my goals. Rather than fitting me into a standard loan product, he took the time to learn the specifics of my STR business strategy — including my target markets, occupancy projections, and long-term growth plans — and then identified financing solutions that were truly aligned with where I’m headed. That kind of tailored, client-first approach is hard to find, and it made all the difference. Equally impressive was Kylee Johnson, Loan Success Manager. Kylee truly lives up to her title. She was meticulous in her communication throughout the entire process — proactively keeping me informed, clearly outlining every document and requirement, and ensuring nothing fell through the cracks. Her attention to detail gave me complete confidence that the transaction was in expert hands. Together, Dominick and Kylee represent exactly the kind of professional team you want in your corner when making significant real estate investment decisions. I’m actively expanding my short-term rental business, and there is no question who I’ll be calling for my next closing. I give them my highest recommendation without reservation.

5. I had a great experience with Total Quality Lending, mainly thanks to Bryce Kemp.

   Bryce made the whole mortgage process easy to understand and walked me through every step. When things got tough, he took the time to explain everything, talked me through it, and kept me encouraged. The process felt personal, not rushed or transactional. Their app was also very helpful—it made uploading documents simple and kept me updated on where I was in the process at all times. Toward the end, Katie Buckley made sure all the paperwork was clear and ready to close, which made the finish smooth and stress-free. I highly recommend Bryce and the team at Total Quality Lending. They made what can be a stressful process feel straightforward and manageable. They are definitely people that can be trusted !!!!! Thanks , Bryce!!!

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.