For Latin American capital, investing in Miami real estate is the most tangible way to dollarize: a real asset in a stable jurisdiction, with a deep resale and rental market, and no state income tax in Florida.
The question isn't whether it's worth it —for diversification, it almost always is— but with what strategy: pre-construction for appreciation, resale for immediate cash flow, short-term or annual rental. Each carries its own return, risk, and tax structure. This guide lays it out with an investor's judgment, not a seller's.
The buying process, step by step
- Offer and contract — in Florida the standard contract protects the buyer with inspection and financing periods.
- Escrow deposit and due diligence — inspection, title search, and condominium review before moving forward.
- Closing — you can sign remotely by power of attorney and e-signature; the funds go to the title company.
Financing: the non-resident buyer does qualify
You don't need residency or citizenship. You can pay cash or take a foreign national loan for non-residents: typically 30%–40% down and a slightly higher rate, with no U.S. credit history. Many buy cash and weigh refinancing later.
Structure: in your name or through an entity
Holding title personally carries U.S. estate-tax exposure —a mere US$60,000 exemption— which is why many buyers purchase through a structure (a Florida LLC, sometimes with a holding company above it). It isn't always the right call: it depends on the amount, the use, and your net worth. Settle it with your accountant before you make an offer.
Pre-construction vs resale
Pre-construction lets you pay in installments during construction and enter at the lowest price, in exchange for time and construction risk. Resale hands you the finished unit and real numbers right away. It comes down to your goal and horizon —we'll run it with you.
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View properties →Frequently asked questions
Can a foreign buyer purchase an apartment in Miami? Yes — no visa, residency, or citizenship, whether cash or with non-resident financing.
How much do I need to buy? It depends on the neighborhood and whether you finance; for non-residents the typical down payment is 30%–40%. We'll build the real number for your case.
In my name or through an entity? It depends on the amount, the use, and your net worth; holding title personally carries estate-tax exposure. Decide it with your accountant.