Why Investors Choose TQL

Capital and counsel for serious investors

Six things you get with every TQL relationship — not just a closed loan.

Investment Property Specialists
100% focused on real estate investors — not a generic mortgage shop.
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Financing Strategy
We structure the loan around your portfolio goals, not the other way around.
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Investor Education
Market guides, calculators, and frameworks built for active investors.
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Market Guidance
Where to buy, what cash-flows, and how to size up an MSA.
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Property Analysis
DSCR, cash-on-cash, and stress tests before you write the offer.
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Tax Optimization
Loan structures that play well with depreciation, cost seg, and entities.
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Investor Concierge

Connect with our team of investment specialists who can help you find the right properties and structure optimal financing.

Top 1% vetted investor agents
Deal analysis support
Tax optimization strategies
Market insights

Learn about the Investor Concierge

DSCR Calculator

Free DSCR calculator for long-term or short-term rentals. Uses the program formulas — long-term DSCR = rent ÷ PITIA, STR DSCR = (rent × 0.80) ÷ PITIA — and never assumes a rate.

Long-term & short-term modes
Mandatory 20% STR expense factor
Principal & interest OR interest-only
Plain-English DSCR interpretation

Calculate DSCR

Short Term Rental Calculator

Analyze potential short-term rental properties with our free calculator. Estimate cash flow, ROI, and more.

Revenue projections
Expense breakdown
Cash flow analysis
ROI calculations

Try Calculator

Glossary

Plain-English definitions for every term you'll see across DSCR, Non-QM, and investor financing — from DSCR and PITIA to LTV, FICO, and bank-statement income.