Hi all , first post in a while. I'm hoping someone with boots on the ground in Puerto Rico can point me in the right direction.

We own a condo already in PR, so we're not new to buying on the island. We have a second condo under contract with a hard close date of October 14.

We spent the last six weeks in underwriting with FirstBank PR. They asked for every document imaginable, we produced all of it, and today they denied the loan — not on income, not on credit, but on the number of real estate loans we carry.

Where we actually stand:

• Both borrowers are high earners with strong credit

• Most of our loans are DSCR or commercial products; only two are conventional

What I'm looking for is a PR-based DSCR or commercial lender who underwrites the deal and the borrower's income rather than counting up every entity and loan on the schedule, and who can realistically close in about three weeks.

If you've closed a DSCR or commercial loan in PR recently, I'd be grateful for a name. Happy to take referrals by DM, and glad to share how it turns out — this seems like a problem other mainland investors buying in PR run into.

Thanks in advance.