What every Hispanic and international investor
asks before buying in Florida.

No. A foreigner can buy property in Florida without being a resident, without a visa and without government permission — with the same property rights as a citizen. What changes from one case to another is the titling structure and the tax and estate implications. That is why the legal and tax analysis is part of the A3 Methodology, from before you sign.

To buy in cash you do not need an SSN. If you are going to finance or report rental income, you will need an ITIN (the taxpayer identification number for people who do not qualify for an SSN), which is obtained as part of the process. We coordinate it within the A3 Methodology so you arrive with the right documents instead of improvising along the way.

You can buy without setting foot in Florida. The process is remote: electronic signatures, powers of attorney when they apply, and a closing coordinated with the title company. Many investors buy from their home country and only travel when they want to see the property. What decides it is not the distance — it is having the right team on the other side.

Pre-construction in Miami starts with an initial deposit — projects start at around $400,000 in Miami, and you do not pay the full price up front. In South Florida and Orlando the entry point varies by project and area. The figure that makes sense for you depends on your horizon, your goal and the area. The A3 Methodology calculates that number from your case, not from averages.

Yes. That is what Foreign National Loans are for: mortgage programs for non-residents that require neither a U.S. credit history (FICO) nor a Social Security number. Approval rests mainly on your liquidity and verifiable income, including income in your home country. Banks typically lend up to 70% of the property value, so the down payment starts at 30%; the final percentage depends on the bank and your profile. Do not confuse it with the project’s initial deposit in pre-construction: that one is set by the developer and paid in installments during construction. You will also be asked for proof of income and bank statements. We handle it within the A3 Methodology with lenders who work with international investors.

Beyond the price, budget for closing costs. Paying cash, they run about 3%-5% of the value (title, transfer taxes, appraisals and fees); if you finance, they rise to 6%-8% because of the loan costs (origination, lender appraisal, points). Also add the annual property tax (it varies by county), insurance and, in condominiums, the maintenance fee (HOA). In pre-construction, part of these costs is spread out over time. I give you the real numbers for your case before you decide — not after.Reference figures; the exact calculation is done in the consultation.

The same ones a local buyer pays on the transaction, plus a few considerations specific to foreigners. The key points: Florida has no state income tax; you pay annual property tax (it varies by county); if you rent, you report that income; and when you sell, FIRPTA withholding applies (up to 15% of the gross sales price, credited toward the tax on your gain) plus capital gains tax. The structure you buy with changes how much of this affects you.General guidance, not tax advice — in the A3 consultation it is reviewed against your case and with your CPA.

Yes. Florida is one of the states with no state income tax, which means you keep more of your investment’s rental income and gain than in states that have that tax. Federal tax still applies to the income generated and to the gain when you sell. That state advantage is one of the reasons Hispanic capital chooses Florida — but the right decision is built on the complete structure, not on a single benefit.

FIRPTA is the law that requires withholding a percentage (up to 15% of the gross sales price) when a foreigner sells a property in the U.S. It is not an additional tax: it is an advance payment toward the tax on your gain, and a good part of it can be recovered if the withholding exceeds what you actually owe. Planning for it from the purchase, with the right structure, avoids liquidity surprises when you sell.General guidance, not tax advice; it is reviewed with your CPA within A3.

It depends on your goal, but for many international investors an LLC brings three things: asset protection (it separates your personal wealth from the property in the event of a lawsuit), privacy (the public records show the company, not your name) and succession planning (it makes it easier to include family members and pass the wealth on). It also carries costs and obligations that have to be weighed. It is not automatically the right choice — it is the kind of decision that is made in the A3 legal analysis before you sign.General guidance, not legal advice.

It is the question almost nobody asks in time — and the most expensive one to ignore. A non-resident foreigner has an estate tax exemption of only USD $60,000 on U.S. assets; above that amount, rates go up to 40%. A property held in your name can be left exposed. With the right structure (LLC, trusts, planning) that risk can be reduced legally. That is why the legal and estate component is part of the A3 Methodology from day one, not an afterthought.General guidance, not legal or tax advice.

You buy today at the pre-construction price, with a low initial deposit (not the full price). The developer builds over the next 24-36 months, although the actual timeline depends on the builder and on the estimated delivery dates written into the contract. During construction you pay in staggered installments. Typically it is 30% of the price, and some developers require up to 50% depending on the building and the brand. The exact percentage is in each project’s payment plan, and the balance is paid at delivery. By delivery, the property has usually already appreciated. It is the structure that combines appreciation over time with real payment flexibility. Like any investment, it carries market risk and project-execution risk — which is why the developer is vetted, not just the unit.

It depends on what you are looking for. Miami is the most solid market for pre-construction with appreciation and short-term rentals. Orlando offers a lower barrier to entry and steady tourism demand. South Florida (Hallandale, Hollywood, Aventura) combines both worlds. The right area comes from your goal — cash flow, appreciation, personal use or a mix — not from a generic recommendation.

Yes, but with judgment: not every building allows short-term rentals. Some condominiums are designed to be "Airbnb-friendly" and others have restrictions (minimum nights, number of rentals per year) depending on the municipality and the building’s rules. On top of that, short-term rentals require licenses and pay state sales taxes. Before buying for Airbnb we confirm that the building and the area actually allow it — buying first and finding out later is the expensive mistake.

A3 stands for the three analyses every investment needs, at one table — not three separate advisors telling you different things: A1 the property (which one and why), A2 the financials (how it gets paid for and what it returns) and A3 the legal and tax side (how you protect your capital and your estate). No investment moves forward until all three are aligned.

The initial call takes 7 minutes — to understand whether your case applies and whether we are a fit. If we move forward, the full strategy consultation takes 30 minutes, where we review your capital, profile, goal and the areas that apply to you. Identifying and closing on a pre-construction property, once the strategy is decided, typically takes 2-4 weeks.