US Territory Income Mortgage Tool

Quick Summary

Calculate your qualifying capabilities using income from Puerto Rico, Guam, or the US Virgin Islands. This tool navigates the complex tax treatments of Act 60 and territorial income exclusions.

Calculator

Your Inputs

Territory Sourced Income ($)

Act 60 Tax Excluded Amount ($)

US Mainland Debt ($)

Target Interest Rate (%)

Your Estimates

Monthly Qualifying Income

$22,500

Max Estimated Loan Amount

$1,521,864

Assumes a 45% DTI ratio

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Frequently Asked Questions

Does income earned in Puerto Rico count for a mainland US mortgage?

Yes, but if it is shielded from federal taxes (such as via Act 60), lenders must apply specific gross-up formulas and may require specialized Non-QM underwriting.

Do conventional lenders accept Virgin Islands tax returns?

Yes, Fannie Mae and Freddie Mac generally accept bona fide resident tax returns from US territories, provided the income history is stable.