The FLEX Program™
USVI Commercial Real Estate LoansBusiness & Multi-Family Financing Up to $2M
The Virgin Bay Advantage
A Lender Who Knows the Local Commercial Landscape
Expanding your business footprint or real estate investment portfolio in the Virgin Islands requires a lender who understands the local commercial landscape. Virgin Bay Mortgage provides commercial real estate financing tailored for business owners, local entrepreneurs, and commercial investors across St. Thomas, St. Croix, and St. John. From retail storefronts to multi-family apartment buildings, our in-house underwriting team ensures fast, reliable approvals.
Local Expertise
Deep roots in the USVI market and an understanding of island properties.
In-House Underwriting
Every step under one roof for faster approvals and fewer delays.
Local Loan Servicing
We keep servicing your loan after closing, so you always deal with us.
Commercial Financing Features & Options
Loan Limits Up to $2M
Competitive commercial loan terms for purchasing or refinancing commercial real estate across the territory.5+ Unit Multi-Family Properties
Specialized financing for multi-family apartment complexes (5+ residential units) and residential portfolios.Diverse Business Property Types
Financing available for retail spaces, office buildings, mixed-use properties, and light commercial facilities.Flexible Entity Structuring
Close directly under your business entity (LLC, S-Corp, C-Corp, or Partnership) for maximum liability protection and tax efficiency.
Eligible Commercial Property Types
- 5+ Unit Multi-Family Residential Apartment Buildings
- Retail Strip Centers & Standalone Retail Spaces
- Professional Office Buildings & Commercial Condos
- Mixed-Use Commercial / Residential Properties
Ready to Grow Your Portfolio?
Talk with a local loan officer who knows the USVI market. We respond within 24 hours.
Explore More
More FLEX Program™ Loans
DSCR Loans
Buying a short-term rental or Airbnb in the USVI? We qualify the mortgage based on the property's projected rental income, not your personal debt-to-income ratio.
Learn moreBank Statement Loans
Heavy tax deductions shouldn't stop you from buying a home in the Virgin Islands. We verify your income using 12 to 24 months of bank statements instead of tax returns.
Learn moreAsset Depletion Loans
For retirees, trust beneficiaries, or luxury buyers. We calculate a qualifying income stream directly from your liquid assets so you don't have to liquidate your portfolio to buy your island home.
Learn moreJumbo Loans
Some island properties easily exceed the conforming loan limits from Fannie Mae or Freddie Mac. As part of the FLEX Program™ we offer loans up to $2M requiring only 30% down.
Learn moreLLC Closings
One of the major advantages of the FLEX Program™ is the ability to close in an LLC, which may be more cost effective than closing in your name and transferring the property later.
Learn moreCondo-Tels & Non-Warrantable Condos
Specialized FLEX portfolio lending designed to finance USVI condo-tels and non-warrantable condominiums that traditional mainland banks treat as commercial properties.
Learn more
1-340-714-0033
contact@virginbay.com
A2-7, Red Hook Quarters, 6100, No. 2 Suite, St. Thomas, 00802
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
1-340-714-0033
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
Get Started Today
Contact our team of experts for personalized advice. Guaranteed to respond within 24 hours.
Local, Experienced, Trustworthy Advice For The USVI Mortgage Market
Loan Programs
Location & Hours
6100 Red Hook Quarters
Suite A2-7
St. Thomas, VI. 00802
Mon-Fri: 9:00AM - 5:00PM
Sat: By Appointment
Sun: Closed
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