Buying a home in the United States has become an increasingly common decision among investors and families from Argentina and Chile who are looking to protect their wealth in U.S. dollars, diversify risk, and access a solid and transparent real estate market. In this context, Florida stands out as one of the most attractive destinations for investing from South America.
Legal stability, consistent housing demand, and the ability to purchase property without residency requirements make Florida a safe gateway to the U.S. real estate market. However, buying from abroad requires clear information, planning, and professional guidance.
At Florida HomeGroup Realty, backed by more than 19 years of experience helping international investors, we have guided many families from Argentina and Chile through the home-buying process in Florida. In this practical guide, we explain how to buy a home in Florida step by step, avoiding common mistakes and making well-informed decisions.
Can Argentinians or Chileans buy a home in Florida?
Yes. Citizens of Argentina and Chile can legally buy a home in Florida without being U.S. residents or citizens.
Florida law allows foreigners to purchase property in their personal name or through legal structures, as long as basic requirements are met. There are no nationality-based restrictions on real estate ownership in Florida.
Our agents, who are also investors, guide each transaction to ensure the purchase is properly structured from the start.
Why is Florida a good option for buyers from Argentina and Chile?
Florida offers several advantages that are especially appealing to South American investors.
Key reasons include:
- A stable and well-regulated real estate market
- Strong legal protection for private property
- Competitive prices compared to other global markets
- High residential rental demand
- No state income tax
Additionally, cultural proximity, direct flight connections, and extensive experience working with Latin American buyers make the process more accessible.
Step 1: define your purchase objective in Florida
Before searching for a property, it is essential to define your purpose for buying.
Common objectives among buyers from Argentina and Chile include:
- Investing to generate rental income
- Protecting capital in U.S. dollars
- Buying a family asset in the U.S.
- Mixed use: investment plus personal use
- Building a real estate portfolio
Defining the objective early helps determine the right location, property type, and legal structure.
Step 2: choose the right city and area
Florida offers very different markets, and location selection is key.
Orlando and the Disney area
- Strong residential rental demand
- Family-oriented and stable market
- Planned communities such as Lake Nona and Winter Garden
- Ideal for long-term wealth strategies
Miami and South Florida
- International and dynamic market
- Areas such as Brickell, Coral Gables, and Downtown Miami
- Wide variety of condominiums and residences
- Higher liquidity and global exposure
Kissimmee and residential areas
- More accessible pricing
- Consistent rental demand
- Ideal for long-term investment
At Florida HomeGroup Realty, we analyze each area using real data—not trends or hype.
Step 3: what type of property should you buy?
The right property type depends on your objective and buyer profile.
Single-family homes
- High family demand
- Stable tenants
- Wealth-building strategy
Condominiums
- Lower maintenance
- Amenities and security
- Ideal as a first investment
Pre-construction properties
- Purchase before completion
- Staged payment schedules
- Medium- to long-term strategy
There is no one-size-fits-all option. The key is aligning the property with your strategy.
Step 4: how much does it cost to buy a home in Florida?
Beyond the property price, it is important to understand the total cost of ownership.
This includes:
- Closing costs
- Property taxes
- Required insurance
- Homeowners association (HOA) fees, if applicable
- Maintenance reserves
Understanding these costs prevents surprises and supports realistic financial planning.
What taxes does a foreigner pay when buying and owning property in Florida?
A foreign buyer may be subject to:
- Annual property tax
- Taxes on rental income, if applicable
- Withholding taxes when selling the property (FIRPTA)
Florida does not charge state personal income tax, which is a major advantage compared to many other states.
Step 5: legal and tax structure for foreign buyers
Before closing, it is important to define:
- Personal ownership or purchase through an LLC
- Tax planning from the beginning
- Compliance with tax obligations
- Future exit strategy
At Florida HomeGroup Realty, we coordinate with legal and tax advisors specialized in foreign investment.
Can you finance a purchase from Argentina or Chile?
Yes. Mortgage options for foreign nationals are available in Florida.
Financing may allow you to:
- Preserve liquidity
- Avoid over-committing capital
- Purchase a higher-quality property
- Scale a real estate investment strategy
Banks typically require a higher down payment than for U.S. residents, but financing can be a powerful strategic tool.
Common mistakes when buying a home in Florida from abroad
Some frequent mistakes include:
- Buying without a clear strategy
- Choosing locations without professional analysis
- Underestimating operating costs
- Failing to plan taxes from the start
- Relying solely on online information
Avoiding these mistakes makes the difference between a smart purchase and an improvised decision.
Why buy with Florida HomeGroup Realty?
At Florida HomeGroup Realty, we do more than help clients buy properties.
We guide our clients in building wealth in the United States through education, strategy, and full support.
Our competitive advantage includes:
- Bilingual and multicultural team
- Agents with real experience as investors
- 360° advisory (legal, tax, and strategic)
- Presence in Orlando, Miami, and South Florida
- Support before, during, and after the purchase
FAQ about buying a home in Florida from Argentina or Chile
Do I need a visa or residency to buy a home in Florida?
No. You do not need to be a resident or hold an immigrant visa to purchase property.
Can I buy remotely without traveling to the U.S.?
Yes. Many transactions are completed remotely using powers of attorney and electronic signatures.
Is it better to buy personally or through an LLC?
It depends on your objectives. Each option has different tax implications.
Can I rent the property if I do not live in the U.S.?
Yes. With professional property management, rentals can be handled remotely.
Is Florida safe for investing from South America?
Yes. Florida offers legal stability, transparency, and strong real estate demand.
Buying in Florida as part of a wealth strategy
Buying a home in Florida from Argentina or Chile is a strategic decision that goes beyond the property itself. With proper planning, professional analysis, and expert guidance, it is possible to build a solid asset that protects wealth and provides long-term peace of mind.
Investing in real estate is also a way to protect your family’s future. With the right strategy, Florida can become a cornerstone of your international wealth.
Take the first step to buy your property in Florida with a bilingual team backed by more than 19 years of experience guiding international investors.
