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    Explore cash flow, expenses, and your next property.

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  • Single family & condo

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    Condotels, non-warrantable condos, rural properties, and 5–8 unit buildings.

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Broker Hub (opens in a new tab)Speak to a real human(800) 304-1925Get StartedBuild My Investment Plan

Total Quality Lending

Build a Real Estate Investment Strategy

A financing strategy connects the property you buy today with the next decision: operate, improve, refinance or grow. Compare rental income, reserves, ownership and the timing of capital before choosing a loan.

Find my financing path

Choose your next move

Explore the financing decisions, operating assumptions and documents behind each strategy.

BRRRR

Plan the acquisition, renovation, rental and refinance stages.

Buy and hold

Build a long-term rental portfolio around durable cash flow.

Short-term rental

Plan seasonal revenue, management and property eligibility.

First investment property

Start with the budget, reserves and first-time-investor rules.

Buying in an LLC

Coordinate ownership, guaranties and a repeatable portfolio process.

Cash-out refinance

Compare net proceeds with the property’s new debt service.

Small multifamily

Understand the split between 2–4 and 5–8 unit financing.

House hack

Plan an owner-occupied home with eligible rental income.

1031 exchange

Coordinate replacement-property financing with the exchange team.

Put the numbers to work

Use the calculators as a planning starting point, then confirm lender-specific income and expenses.

DSCR calculator

Estimate rental coverage against the housing payment.

STR calculator

Explore short-term rental assumptions and request an analysis.

We help you invest and finance real estate with confidence.

Build My Investment Plan

Loan Programs

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Who We Serve

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Total Quality Financial, Inc. DBA Total Quality Lending, NMLS #1933377 (www.nmlsconsumeraccess.org). Equal Housing Lender.

In no event will Total Quality Financial, Inc. DBA Total Quality Lending be liable for any loss or damage including and without limitation to indirect or consequential loss or damage, or any loss or damage whatsoever arising out of, or in connection with, the use of this website. This is not an offer for extension of credit nor a commitment to lend. Programs, rates, terms and conditions subject to change without notice. Certain restrictions may apply. All approvals subject to underwriting guidelines. Not all applicants will qualify. These materials are not from HUD or FHA and were not approved by HUD or a government agency. Licensed by the Department of Financial Protection and Innovation under the California Financing Law, License No. 60DBO-108369.

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