Miami isn't just attracting international money anymore — it's built for it. International buyers now account for 15% of residential dollar volume and up to 52% of new construction purchases. Here's the playbook.

Why Miami Wins

For citizens of countries with currency volatility, holding USD real estate is capital preservation. Florida's zero state income tax compounds the advantage. Miami's international banking infrastructure and bilingual networks make the transition seamless. Colombia leads as #1 source country at 13.3%.

The Buying Process in 6 Phases

1. Planning (Weeks 1–4): Choose legal structure. Secure financing pre-approval. Engage US attorney and home-country tax advisor.
2. Property Search (Weeks 2–8): Bilingual agent, neighborhood analysis, FIRPTA compliance.
3. Offer (Weeks 5–10): 1–2% earnest money into escrow. Negotiate developer incentives.
4. Inspections & Title (Weeks 8–14): Professional inspection, title insurance, SB 264 verification.
5. Mortgage (Weeks 10–16): Foreign national loans: 10–30% down, rates 4.5–6.5%.
6. Closing (Weeks 16–24): Documents signed, title transfers, keys in hand.

Key Legal Points

SB 264: Restricts purchases by nationals of certain countries near military installations (doesn't apply to US residents/citizens).
FIRPTA: 15% withholding if you sell within 5 years.
Title insurance: Required in Florida — protects your ownership.

Best Neighborhoods

Brickell — Urban energy, 49–52% international buyers.
Coral Gables — Families and legacy. Strong Argentine and Brazilian communities.
Key Biscayne — Maximum privacy, $5–10M+.
Miami Beach — Lifestyle and rental potential.

Tax Advantages

No state income tax. No capital gains tax. No estate tax. Homestead exemption saves up to $50K. Residency requires 183+ days annually.

Your Miami journey starts with a conversation. Bilingual service, WhatsApp across time zones, 30–45 day closings.