Investing in Florida real estate as a foreigner is not only possible — it’s a smart strategy to build wealth in a strong and growing market. But buying is just the first step. Protecting your property and planning ahead for a future sale are equally important.
Here’s the full cycle explained:
1. Financing: mortgages for non-residents
Foreign investors can apply for a U.S. mortgage even without residency.
- Down payment: typically 25%–40%.
- Credit history: local credit is not required, financial records from your home country are accepted.
- Interest rates: competitive, slightly higher than resident rates.
Lenders: certain banks specialize in international clients.
2. Opening a U.S. bank account
A local bank account makes property management easier:
- Direct rental income deposits.
- Simplified payment of expenses.
- Stronger financial profile with U.S. institutions.
3. Protecting your investment
Your property is a valuable asset — protect it wisely:
- Forming a Florida LLC to separate personal and business assets.
- Insurance coverage (property, liability, natural disaster).
- Professional property management for peace of mind and steady income.
4. What if I want to sell my property in the future?
Buying is only the beginning — resale can be part of your strategy.
- Appreciation: areas like Orlando, Miami, and Tampa see steady long-term growth.
- FIRPTA taxes: foreign sellers face withholdings, but proper planning minimizes the impact.
- Liquidity: Florida’s demand from both local and international buyers makes selling easier.
5. Having an exit strategy
Think ahead when buying:
- Do you want to sell in 5–10 years for capital gains?
- Or hold long-term for passive rental income?
At InvestSouth, we guide you through every stage: financing, banking, asset protection, and exit strategies — so your Florida investment makes sense today and in the future.
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