Non-Warrantable Associations and Condo-tels can be perfectly fine associations and in some cases offer fantastic resort-like amenities, but financing options are limited for these types of properties, now and most likely in the future when it comes time to sell the unit. See condo financing lesson 2 & 3 for more information.

We'll calculate an estimated mortgage payment to show properties that fit your client's budget. As a disclaimer, this does not constitute an offer for a mortgage. We'll help your client get pre-qualified as soon as they find the right property.

Many USVI owners offset carrying costs with short-term rental income. If your client plans to rent, we'll estimate a conservative net monthly rental (after management and operating costs) using each association's historical averages and apply it against their monthly budget. Have their own estimates?

Tell us how much your client has available to invest and how much they're comfortable spending each month on mortgage payments and condo expenses. If you chose a mortgage above, we'll assume the minimum down payment required for each condo (20% conventional, 30–35% FLEX / non-warrantable) up to their investment amount — and keep the rest in reserves.