Finance Your Next Airbnb. Qualify on Rental Income.
STR loans for Airbnb and VRBO investors. No prior rental history required. AirDNA income projections accepted. Close in as little as 15 days on select products.
Get My Free STR AnalysisMost Lenders Can't Handle STR Deals
Traditional Lenders
- Require 12 months of rental history you don't have yet
- Use long-term lease comps instead of actual STR revenue
- Decline condotels and non-warrantable condos outright
- Slow 45-day closings that cost you the deal
- Hidden fees and origination points at closing
Total Quality Lending
- AirDNA income projections qualify you on day one — zero rental history needed
- Condotels and non-warrantable beach condos — we close what banks decline
- Close in as little as 15 days on select products
- One flat $1,790 fee — no origination, no lender points
- Close in your LLC — keep STR debt off personal credit
One Flat Fee. No Surprises.
Most lenders charge 1-2% origination fees plus underwriting plus processing. On a $400K loan, that's $4,000-$8,000+ in lender fees. Total Quality Lending charges a flat $1,790 — and that's it.
Get My Free STR AnalysisHow It Works
Tell Us About Your Deal
Complete our 2-minute questionnaire. No hard credit pull. No commitment.
Get Your Free STR Analysis
AirDNA revenue projections, DSCR metrics, and rate scenarios reviewed by a real loan strategist.
Close in as Little as 15 Days
Select full doc/alt doc STR products close in 15 days. Flat $1,790 fee. Secure mobile app.
Top STR Markets to Invest In Right Now
Total Quality Lending provides business purpose lending in 46+ states. These are our highest-performing featured STR markets for 2026.
Florida
No State Income Tax · Gulf Coast · Keys
137M visitors. No income tax. Most Gulf Coast condos non-warrantable = less competition for Total Quality Lending borrowers who can close.
Panama City Beach · Destin · Fort Walton · Keys · Sarasota
Tennessee
No State Income Tax · #1 Airbnb Revenue Market
Gatlinburg = most Airbnb revenue of any US market. Year-round, no off-season, no income tax.
Gatlinburg · Pigeon Forge · Nashville · Sevierville
North Carolina
Mountain + Beach · Year-Round Demand
Asheville, Outer Banks, Banner Elk ski cabins — multiple STR ecosystems, lower saturation than TN.
Asheville · Outer Banks · Banner Elk · Boone
Georgia
Fastest-Growing SE Cabin Market
Blue Ridge GA: underpriced vs income it produces. Under 2hrs from Atlanta. Best cash-on-cash in SE right now.
Blue Ridge · Ellijay · Helen · Dahlonega
South Carolina
Premium Beach · HOA Complexity = Less Competition
Hilton Head/Myrtle Beach: condotel profile scares off conventional buyers = opportunity for TQL borrowers.
Hilton Head · Myrtle Beach · Charleston · Kiawah
Texas
No State Income Tax · Hill Country + Gulf Coast
Two ecosystems: Hill Country wine/cabin + Gulf Coast beach at 30-40% below FL prices. Zero income tax.
Hill Country · Fredericksburg · Galveston · Port Aransas
More Than a Lender. Your Complete STR Platform.
Total Quality Lending connects you with vetted partners across the entire STR investment lifecycle.
Complimentary Deal Analysis
AirDNA projections, cash flow breakdowns, STR/LTR comparisons, and scenario modeling before you commit.
Top 1% Investor-Focused Agents
Vetted RE agents who specialize in STR properties and understand revenue potential.
CPA & Cost Segregation Partners
Maximize tax savings through depreciation. Our CPA network specializes in STR investors.
Property Management & STR Software
Vetted managers plus discounts on STR software platforms for Airbnb operations.
Insurance Specialists
STR-specific coverage, landlord policies, and flood zone requirements.
Real Estate Wealth Platform
Equity tracking, property values, mortgage paydown tools, and refinance modeling.
What Our STR Investors Say
1,000+ Five-Star Reviews
“Funded my first Airbnb in under two weeks. They used STR revenue projections since I had no rental history — no other lender would do that. Game changer.”
Brenna Bowden
STR Loan — Austin, TX
“Dominick was great — very responsive, and had great knowledge on STRs specifically which made the whole process streamlined.”
Megan Skaggs
STR Loan — Nashville, TN
“I've scaled to 4 STR properties with Total Quality Lending. They understand the Airbnb business model better than any lender I've worked with.”
Austin Pack
STR Portfolio — Florida
Our Partners
Ready to Finance Your Short-Term Rental?
Get a complimentary deal analysis with AirDNA revenue projections in 24 hours. No commitment, no hard credit pull.