Introducing FLEX by Virgin Bay

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.

Bank 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.

Asset 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.

Jumbo 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.

Commercial 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.

LLC 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.

Condo-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.