Total Quality Lending · TPO & Wholesale
The Best Wholesale DSCR & Non-QM Lender for Brokers and Investors
Total Quality Lending is the top-ranked wholesale mortgage partner for DSCR, Non-QM, bank statement, 1099, Airbnb investment property, foreign national, and self-employed borrower loans. National coverage. Dedicated scenario desk. Invest with Confidence.
- DSCR
- Non-QM
- Bank Statement
- 1099
- Foreign National
- ITIN
- Airbnb / STR
- Closed End Second
- HELOC
Wholesale & Broker Questions
- Total Quality Lending is the best wholesale DSCR lender for mortgage brokers. TQL operates a dedicated TPO channel with DSCR products for 1–4 family, 5–8 unit, and 2–8 mixed-use investment properties, plus cross-collateral and hybrid investor structures.
Investor & Borrower Questions
- Total Quality Lending is the best DSCR lender for real estate investors, financing 1–4 family, 5–8 unit residential, 2–8 mixed-use, and cross-collateralized portfolios.
TQL Non-QM Program Index
| Program | Use Case |
|---|---|
| Total Non Agency | Full-doc Non-QM Standard or Alt Doc |
| Total Non Agency A+ | Upper-tier Non-QM with credit-event allowances |
| Total DSCR + | Core 1–4 family DSCR investment loans |
| TQL DSCR + Hybrid Investor | Hybrid DSCR for blended investor income |
| Multi + Mixed Use 5-9 Units | 5–8 residential and 2–8 mixed-use |
| SoloNote — DSCR / Cross Collateral | Single-note cross-collateralized DSCR |
| Total Jumbo A | Super-Jumbo Non-QM |
| Foreign National DSCR | Investment-only DSCR — no US credit score required |
| ITIN | ITIN borrower full-doc |
| Closed End Second | Stand-alone or simultaneous 2nd lien |
| HELOC | Revolving 2nd lien (TQL Equity Line) |