The FLEX Program™
Closing Your USVI Mortgage in an LLCAsset Protection & Entity Financing
The Virgin Bay Advantage
Close Directly Under Your Entity
Real estate investors and high-net-worth buyers purchasing property in the U.S. Virgin Islands often seek to separate personal assets from investment liabilities. Traditional stateside lenders usually force buyers to close in their personal names under rigid Fannie Mae/Freddie Mac guidelines. Through Virgin Bay Mortgage's FLEX Program™, we empower real estate investors, self-employed individuals, and luxury buyers to close their mortgage directly under an LLC, Trust, or corporate entity.
Oftentimes borrowers close in their name to use conventional financing only to then put their investment in an LLC. This could trigger stamp tax twice on your purchase, so it may be more cost effective to close directly into an LLC.
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.
Benefits of Closing a Mortgage in an LLC in the USVI
Asset Protection & Limited Liability
Shield your personal net worth and assets from claims arising from tenant disputes or short-term rental operations.Simplified Partnership Ownership
Easily manage fractional ownership, multi-member investor groups, and joint ventures through a clean entity structure.Seamless Tax & Accounting Integration
Streamline Schedule E reporting, short-term rental expense deductions, and business accounting.Supported Across FLEX Loan Products
Available for DSCR loans, Bank Statement loans, Asset Depletion loans, Jumbo mortgages, and Commercial loans.
Eligible Entity Structures
- Single-Member & Multi-Member LLCs
- Revocable & Irrevocable Living Trusts
- Corporations & Business Partnerships
Structure Your Purchase the Right Way
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 moreCommercial Loans
Expanding your portfolio? We offer commercial financing up to $2M for retail, office spaces, and 5+ unit multi-family apartment buildings across the territory.
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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