Buying a property in the United States is a strategic decision that can represent both the fulfillment of a personal dream and a profitable investment opportunity in one of the world's most stable economies. However, the process requires planning, technical knowledge and attention to legal and financial details. Below, I present the main aspects that should be considered when choosing the ideal property.
Defining the Purpose of the Purchase
Before starting any search, it is essential to clearly define the purpose of the purchase:
- HousingIf the goal is to live in the USA, factors such as safety, quality of schools, urban infrastructure and proximity to services are priorities.
- InvestmentIn order to make a profit, the focus should be on areas with high rental demand, real estate appreciation and legal permissibility for short or long-term rentals.
- Second homeMany Brazilians buy properties for seasonal use, such as vacations, and rent them out during idle periods.
This definition has a direct impact on the choice of city, type of property and even the legal structure of how to choose a home in the United States.
Strategic locations in Florida for buying real estate
Florida is one of the most attractive states in the USA for those looking to invest or live, thanks to its tropical climate, vibrant economy, modern infrastructure and strong tourist appeal. Below, I've highlighted the main regions based on criteria such as real estate appreciation, rental demand, quality of life and accessibility.
1. Orlando
ProfileIdeal for vacation rentals and family homes.
- Tourism as an economic engineHome to Disney World, Universal Studios and SeaWorld, it attracts millions of visitors every year.
- High demand for short-term rentalsEspecially in condominiums near theme parks.
- Consistent real estate appreciation: The city is investing in infrastructure, such as the expansion of the airport and new expressways.
- Popular properties: Houses in gated communities with swimming pools, apartments in residential areas and townhouses.
Target audienceInvestors looking for a return in dollars and families who want quality of life at an affordable price.
2. Miami
Profile: Luxury market and high liquidity.
- Financial and cultural center: Strong presence of multinationals, banks and international events.
- High demand for high-end propertiesEspecially in neighborhoods like Brickell, Miami Beach and Coral Gables.
- Constant appreciation: The city is one of the most resilient markets in the USA.
- Short and long-term rentals: Ideal for executives, digital nomads and tourists.
Target audienceInvestors with more capital available and interested in luxury or commercial real estate.
3. Cover
ProfileAccelerated growth and still affordable prices.
- Diversified economy: Sectors such as technology, health and education drive the city.
- High demand for housing: The population is growing rapidly, creating a shortage of real estate.
- Real estate appreciationAppreciation rates above the national average.
- Modern urban infrastructureInternational airport, universities and shopping centers.
Target audienceInvestors looking for a balance between profitability and entry costs.
4. Fort Lauderdale
Profile: Properties by the sea and a stable market.
- Known as the "Venice of America": System of canals and marinas attracts high-end buyers.
- Good demand for long-term rentalsEspecially among retirees and self-employed professionals.
- Consolidated luxury market: Houses by the sea, apartments in sophisticated condominiums.
Target audience: Investors looking for properties with a secure valuation and a coastal lifestyle.
5. Cape Coral & Fort Myers
Profile: Growing areas with affordable properties.
- Lower cost of entry: Ideal for those who are just starting to invest.
- High demand for rentEspecially in tourist and residential areas.
- Valuation potential: Growing cities with good infrastructure.
Target audienceInvestors with a moderate budget and a focus on the medium to long term.
6. Jacksonville
Profile: Great city with affordable real estate and a strong economy.
- Accelerated population growth: Attractive for families and young professionals.
- Diversity of propertiesFrom single-family homes to modern condominiums.
- Developing marketIt requires a long-term strategic vision.
Target audienceInvestors looking for diversification and future appreciation.
Legal aspects and documentation when it comes to choosing a house in the United States
Foreigners can buy real estate in the US without restrictions, but must comply with legal and tax requirements:
- Basic documentsValid passport, proof of income, bank statements, income tax return and, in some cases, the ITIN (tax identification number)5.
- Foreign exchange compliance: Amounts sent from Brazil must be declared to the Central Bank, especially above US$ 10 thousand.
- TaxesThe buyer is subject to Property Tax (similar to IPTU), rental income tax (up to 30%) and, in the event of a sale, capital gains tax (up to 37%)4.
It is highly advisable to have specialized legal and accounting advice in both countries when choosing a home in the United States.
Financing and Financial Capacity
Financing is possible for foreigners, but with specific requirements:
- Minimum entryGenerally between 25% and 30% of the property's value.
- Proof of incomeBanks require a financial history, statements, a letter from an accountant and, in some cases, a reserve equivalent to six months' installments4.
- Interest ratesThey range from 5% to 7.5% per year, with terms of up to 30 years.
The choice between buying outright or with financing depends on the buyer's profile and investment strategy.
Type of Property and Profitability Profile
The choice of property type must be aligned with the defined objective:
- Vacation HomesVery popular in Florida, they allow vacation rentals and offer good returns in dollars.
- City apartmentsIn cities like New York, they are ideal for long-term rentals.
- Multi-family propertiesThey allow for multiple sources of income and are common in densely populated regions.
The average return can vary between 3% and 6% per year, depending on the location and type of rental.
Choosing a Broker and Professional Advice
In the US, the realtor has access to a single database of properties and can represent the buyer at all stages:
- MLS (Multiple Listing Service): System that brings together all the available properties.
- Title CompanyResponsible for legalizing the transaction and registering the deed.
- Property ManagementCompanies that take care of the maintenance and administration of the rented property.
Choosing experienced and credible professionals is essential to avoid risks and guarantee legal certainty.
For Brazilians who want to invest or live in Florida safely, conveniently and with specialized support, choosing the The Florida Lounge is a strategic decision when choosing a home in the United States. With offices in Orlando, Miami, São Paulo and Rio de Janeiro, the company offers a 360º service aimed at the Brazilian public, covering everything from selecting the ideal property to immigration issues, financing, international remittances and asset management.
Conclusion
Buying a property in the United States is a viable and potentially lucrative process, but it requires preparation, technical knowledge and specialized support. Whether it's to live in or monetize, the success of the operation depends on a careful analysis of the objectives, location, legal aspects, financial capacity and profile of the property.
International asset diversification, especially in dollars, can be an excellent strategy for protection and growth. With proper planning and guidance, the dream of owning a home in the USA can become a solid and secure achievement.
Source:
It's Money - Home in the USA: Complete guide to renting and buying
Remessa Online - How to buy a house in the USA: Your Complete Guide
Estado de Minas - Brazilians should pay attention to laws and finances before buying real estate in the USA
Jen Dantas - The Process of Buying Real Estate in the United States for Foreigners in 2025
The Florida Lounge
Read also: How to Build in Florida and Profit in Dollars
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