We recently closed on a DSCR loan for our rental property with Total Quality Lending, and we couldn’t be happier. Kate and Dominic were amazing to work with — professional, patient, and solution-oriented. Even when some unexpected challenges came up, they jumped in to help problem-solve and kept everything moving forward. The process felt streamlined and investor-friendly. Highly recommend them to anyone needing a reliable lending partner.

⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ (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

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.

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!

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.

Dominick and Katie were absolutely outstanding to work with. From start to finish, they were responsive, transparent, and truly invested in helping us succeed. When our appraisal came in lower than expected, they didn’t just deliver the news and move on — they immediately worked with us to explore options, analyze scenarios, and find a solution that kept the deal alive. Their problem-solving mindset, attention to detail, and clear communication made a stressful situation feel manageable. They took the time to explain each step, answered all of our questions promptly, and advocated for us throughout the process. If you’re looking for lenders who are knowledgeable, proactive, and genuinely care about finding the best possible outcome, I highly recommend Dominick and Katie.

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!!!

Zachary Stopczynski made my loan acquisition process smooth and seamless. What truly set him apart during my first home-buying experience was his reliability, helpfulness, and responsiveness. He was kind, patient, and took the time to answer all of my questions at each stage of the process - from our first intro call all the way through Closing day. I would highly recommend working with Zach and his team at TQL!

I have listened to many BiggerPockets podcasts and they great networking that is involved in this community. BiggerPockets got me in touch with Total Quality Lending and it was a great experience. Their rates beat every rate that was given to me in my community, I appreciate them for that. I highly recommend them from experience

Chris and his team helped me out so much when I was in a tight spot getting financing. His team worked all angles they could find to help me close on my property and had great communication throughout the entire process. Definitely recommend TQL for any financing you seek.

Chris and team have been incredibly helpful in helping me get a loan to purchase and rehab a 6 unit multifamily unit. Becky and Chris were in constant communication and kept me apprised of everything that's happening. They also helped me overcome hurdles along the way. I highly recommend them.

I can't say enough great things about TQL, Chris, and his team Becky, Erin..everyone! This was our first investment property and it couldn't have been any smoother. I called many lenders before starting this process, and as soon as I spoke with Chris I could tell he was who I wanted to work with. Everyone is very responsive, knowledgeable, and they go above and beyond. We purchased a property out of state which I was initially nervous about, but they made everything so easy! I look forward to working with them on many more deals in the near future!

Chris and team has been absolutely incredible throughout the loan process. Special thanks to Becky and Erin for keeping the communication going starting from gathering documents to funding the loan. Thanks TQL.

I contacted TQL through BP lender finder and had a fantastic experience. After the initial forms, I worked mostly with Becky for my options and processing, and she took time to listen to my requirements and respond quickly. The closing attorney, my agent, and the seller's agent all mentioned at different times how great she was when it came to checking in, being proactive in providing information and just being easy to work with. I think it's part of why we got the house we wanted!

I have listened to many BiggerPockets podcasts and they great networking that is involved in this community. BiggerPockets got me in touch with Total Quality Lending and it was a great experience. Their rates beat every rate that was given to me in my community, I appreciate them for that. I highly recommend them from experience

Chris and his team helped me out so much when I was in a tight spot getting financing. His team worked all angles they could find to help me close on my property and had great communication throughout the entire process. Definitely recommend TQL for any financing you seek.

Chris and team have been incredibly helpful in helping me get a loan to purchase and rehab a 6 unit multifamily unit. Becky and Chris were in constant communication and kept me apprised of everything that's happening. They also helped me overcome hurdles along the way. I highly recommend them.

I can't say enough great things about TQL, Chris, and his team Becky, Erin..everyone! This was our first investment property and it couldn't have been any smoother. I called many lenders before starting this process, and as soon as I spoke with Chris I could tell he was who I wanted to work with. Everyone is very responsive, knowledgeable, and they go above and beyond. We purchased a property out of state which I was initially nervous about, but they made everything so easy! I look forward to working with them on many more deals in the near future!

Chris and team has been absolutely incredible throughout the loan process. Special thanks to Becky and Erin for keeping the communication going starting from gathering documents to funding the loan. Thanks TQL.

I contacted TQL through BP lender finder and had a fantastic experience. After the initial forms, I worked mostly with Becky for my options and processing, and she took time to listen to my requirements and respond quickly. The closing attorney, my agent, and the seller's agent all mentioned at different times how great she was when it came to checking in, being proactive in providing information and just being easy to work with. I think it's part of why we got the house we wanted!

We recently closed on a DSCR loan for our rental property with Total Quality Lending, and we couldn’t be happier. Kate and Dominic were amazing to work with — professional, patient, and solution-oriented. Even when some unexpected challenges came up, they jumped in to help problem-solve and kept everything moving forward. The process felt streamlined and investor-friendly. Highly recommend them to anyone needing a reliable lending partner.

⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️ (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

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.

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!

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.

Dominick and Katie were absolutely outstanding to work with. From start to finish, they were responsive, transparent, and truly invested in helping us succeed. When our appraisal came in lower than expected, they didn’t just deliver the news and move on — they immediately worked with us to explore options, analyze scenarios, and find a solution that kept the deal alive. Their problem-solving mindset, attention to detail, and clear communication made a stressful situation feel manageable. They took the time to explain each step, answered all of our questions promptly, and advocated for us throughout the process. If you’re looking for lenders who are knowledgeable, proactive, and genuinely care about finding the best possible outcome, I highly recommend Dominick and Katie.

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!!!

Zachary Stopczynski made my loan acquisition process smooth and seamless. What truly set him apart during my first home-buying experience was his reliability, helpfulness, and responsiveness. He was kind, patient, and took the time to answer all of my questions at each stage of the process - from our first intro call all the way through Closing day. I would highly recommend working with Zach and his team at TQL!