The advantages of investing in real estate in Florida

Why has investing in real estate in Florida become a strategic choice for Brazilians?
The answer lies in the perfect combination of dollar profitability, constant appreciation and legal stability. Whether you want to diversify your assets, generate income from vacation rentals or guarantee a peaceful retirement, investing in real estate in Florida is one of the safest ways to internationalize your capital - with above-average return potential and high tourist demand all year round.

In the following topics, you will understand why this type of investment continues to attract thousands of foreigners every year, what the main benefits are and how to take the first steps safely.

One of the biggest reasons for investing in real estate in Florida is the security that this type of asset offers compared to more volatile investments. While the stock market, foreign exchange or cryptocurrencies can suffer intense daily fluctuations, real estate tends to remain stable over the long term, especially in regions with consistent demand such as Orlando, Miami, Tampa and Fort Lauderdale.

Real estate is a tangible asset

Unlike intangible investments, such as funds or shares, a property is a physical and durable assetsthat exists in the real world. You can view, visit, renovate, rent or sell. This tangibility gives investors a greater sense of security, especially in times of economic instability.

In addition, the properties have intrinsic valueA well-located, well-built and well-maintained property in an area of high demand is unlikely to lose value abruptly.

Resistance to crises and market volatility

During periods of global uncertainty, such as recessions, pandemics or political conflicts, Florida's real estate market often proves resilient. This is because the state is one of the most sought-after destinations in the US for both tourism and housing, attracting both local and international buyers. Even in challenging times, the demand for rental and purchase remains relatively high.

Another noteworthy point is that investing in real estate in Florida also protects the investor from exchange rate volatility. By purchasing an asset in dollars, you protect your assets from the devaluation of the real and create a cushion in hard currency.

Another great attraction of investing in real estate in Florida is the potential for appreciation over the years. Unlike assets that lose value over time, such as cars or electronics, real estate tends to appreciate, especially when located in areas with economic, tourist or demographic growth.

How and why real estate tends to increase in value

Real estate increases in value due to various factors. The main one is law of supply and demandWhen there are more people wanting to buy or rent property in a given region than there are units available, prices naturally rise.

In Florida, this increase in value is even more significant, as the state has recorded constant population growthIn addition to maintaining a massive annual tourist influx, the vacation home sector is buoyed by American retirees, immigrants and international investors.

Another factor is time: historically, well-located properties have accumulated and constant appreciationeven after moments of market correction.

Factors influencing valuation

When deciding to invest in real estate in Florida, it is important to understand the elements that directly impact the potential for appreciation:

• Strategic location: Properties close to beaches, theme parks, shopping centers or good schools are more valuable and have greater liquidity.

• Urban infrastructure: Neighborhoods with easy access to highways, airports, hospitals and leisure areas tend to appreciate faster.

• Development and urbanization: areas that are expanding or in the process of being revitalized tend to offer high appreciation in the medium term, especially in regions such as Kissimmee, Davenport and areas around Orlando.

• Zoning and building potential: Land or properties with the possibility of expansion, multi-family construction or commercial use also have greater potential for appreciation.

By aligning these factors with good advice, investing in real estate in Florida becomes a solid strategy for those looking for long-term returns, whether for resale, rental or pure asset appreciation.

One of the benefits most valued by those who decide to invest in real estate in Florida is the possibility of generating income. rstable passive income in dollars. When you put your property up for rent, either on long-term contracts or as a seasonal rentals, the investor now receives a recurring flow, which can cover expenses, generate profit and even fund other investments.

Long-term rental

Traditional residential rentals are a more stable option, with contracts of 12 months or more. It is ideal for properties located in residential areas, close to shopping centers and schools. Many Brazilians who invest in real estate in Florida choose this option to ensure continuous and predictable occupancy.

Example: A property in Kissimmee with 3 bedrooms can be rented for around US$ 2,200 per month in 2025, depending on the location and condition of the condominium.

Vacation Rental

Florida is one of the biggest tourist hubs in the world, especially Orlando and its metropolitan area. Properties located near the Disney parks, for example, can be extremely lucrative for short-term rentals through platforms such as Airbnb or Booking.

Example: A 4-bedroom house in a resort like the Windsor at Westside can yield from US$ 4,000 to US$ 6,000 per month in high season, with average occupancy between 60% and 80% throughout the year.

There is also the advantage that the owner can use the property on vacation and rent it out for the rest of the year, turning the asset into a flexible and personal source of income.

Professional management with One Vacation Home

When investing in real estate in Florida, especially with a focus on vacation rentals, relying on a property management company is essential, especially for investors living outside the United States.

This type of management includes all the operational services needed to keep the property profitable and well valued:

• Guest check-in and check-out

• Professional cleaning between bookings

• Preventive and corrective maintenance

• Dynamic pricing according to seasonality

• Optimized ads on platforms such as Airbnb and Booking

• 24/7 customer service in several languages

One of the companies specializing in this model is One Vacation Home, which operates in the Orlando area offering complete and personalized management for international investors. With an experienced team and integrated technology, the company guarantees high occupancy rates, positive reviews and greater profitability, all with transparency and regular reports.

For those who want peace of mind and a consistent return, the professional management with One Vacation Home transforms the property into a real source of passive income, without headaches and with specialized local support.

In times of economic instability, high inflation and currency devaluation, investing in real estate in Florida becomes a smart way of protecting purchasing power and preserving assets.

Dollar-indexed assets

How the real estate market in Florida operates in US dollaryou are automatically diversifying your assets towards a strong and stable currency. This means that even if the real loses value over time, your real estate will continue to appreciate in value - and with international liquidity.

This exchange rate protection is one of the main reasons why Brazilians seek investments in the USA: it is an efficient way of shield capital from local crises and unstable economic policies.

Adjusted rents and asset appreciation

What's more, both long-term and seasonal rentals tend to have lower prices. periodically readjustedThis is in line with local inflation, market demand and even fluctuating occupancy rates.

This ensures that the property's yield keeps pace with the economic scenario and maintain the investor's purchasing power in the medium and long term.

Realistic example:

A property bought by US$ 300 thousand in 2018 in the Orlando region could, by 2025, be worth between US$ 380 thousand and US$ 450 thousandDepending on the neighborhood and the improvements made, there is an appreciation in value that easily exceeds annual inflation, in addition to the income generated from rents during this period.

One of the most strategic advantages of investing in real estate in Florida is the possibility of using real estate financing as a way of leveraging investment, in other words, buy a high-value property by investing only part of the capital.

Financing with competitive interest rates

Unlike many Latin American countries, the United States offers real estate credit lines accessible to foreignersIt is also available to Brazilians, even without a green card. You can finance up to 70% of the property valueIt has long terms (15 to 30 years) and much more competitive interest rates than in Brazil.

Example:

Instead of putting down US$ 300,000 in cash for a property, you can put down US$ 90,000 (30%) and finance the rest. This way, you maintain liquidity for other investments and still benefit from the total appreciation of the property.

Multiplying the return

By using leverage, the investor is able to boost return on equityThis is because the property appreciates in value over the whole amount, not just the part invested.

Furthermore, in many cases rental income covers or exceeds the monthly mortgage paymentmaking the operation self-sustaining. This is especially common in vacation homes near the Orlando parks, with high occupancy.

Comparison with variable income

Unlike stock leverage, which involves high risks and can lead to rapid losses, real estate leverage is safer and more predictablebecause the property continues to exist and generate value even in adverse scenarios.

This is yet another reason why so many Brazilians are choosing to invest in real estate in Florida as part of a long-term strategy, with a return in dollars, stable profitability and asset protection.

Another great benefit of investing in real estate in Florida is the possibility of diversify your investment portfolioand gain exposure to the international market.

Risk reduction

Investing exclusively in Brazilian assets, such as fixed income, B3 shares or domestic real estate funds, exposes investors to economic and political risks concentrated in a single country and currency. By adding a property in the United States to your portfolio, you dilutes these risks and strengthens its equity strategy.

Real estate in dollars acts as a kind of "insurance" against internal crisesThe company's investments in Brazil could be affected by currency devaluation and regulatory changes that could directly impact its investments in Brazil.

International exposure and currency protection

By investing in real estate in Florida, you also gain exposure to the US economyIt is one of the most solid and predictable in the world. This means that your assets will be tied to a strong currency and a stable market, with high liquidity and global demand, which is especially attractive in periods of uncertainty.

What's more, this diversification can be the first step towards internationalize part of your assetswith strategic advantages such as:

• Dollar income

• Easy to open an international account

• Future planning for housing or citizenship

Real estate + financial assets = more complete portfolio

In a well-structured portfolio, real estate in Florida can act as medium to long-term assetsIt also complements short-term investments (such as CDBs and Treasury Direct) and more volatile assets (such as shares and cryptocurrencies). The result is a more resilient, balanced and aligned with their financial goals.

For those who decide to invest in real estate in Florida, the United States offers legal tax planning mechanisms which can make the investment even more attractive, even for foreigners.

Although the American tax system requires organization and transparency, it also allows for deductions, write-offs and partial exemptions which help to reduce the impact of taxes on the profit made.

Deduction of operating expenses

Rental properties, especially vacation rentals, allow you to deduct various expenses from your US income tax. These include:

• Condominium and maintenance fees

• Property management fees

• Property insurance

• Financing interest

• Marketing and advertising expenses

• Repairs, furniture and cleaning services

As a result, taxable income tends to be lower, which reduces the tax payable legally.

Book depreciation

Another benefit is the possibility of depreciation of the property over timeeven if the asset is appreciating in value on the market. This works as an accounting expense that deducts part of the profit and helps to optimizing fiscal results year on year.

Depreciation is generally calculated over a term of 27.5 years for residential property in the USA.

Smart legal structure

Many investors choose to buy the property through a LLC (Limited Liability Company)what it offers:

• Easier asset management

• Asset protection

• Options succession planning

• Possibility of sharing shares between partners or family members

The right structuring, done with specialized accountants and lawyers, maximizes tax benefits and reduces legal and tax risks.

Avoiding double taxation

Brazil has a non-taxation agreement with the USAThis means that the taxes paid there can be offset against the income tax return in Brazil. This makes the process fairer and more advantageous, as long as the investor complies with all tax obligations in both countries.

Unlike other types of investment, such as stocks, funds or automated applications, investing in real estate in Florida offers the investor direct control over assets. You can decide how, when and for what purpose the property will be usedadapting its strategy according to its objectives and the market scenario.

Freedom to customize and enhance

You can:

• Refurbish and enhance the property with aesthetic or structural improvements

• Furnish and decorate strategically for vacation rentals

• Install equipment such as a swimming pool, spa, barbecue or home office to attract specific audiences

• Divide the property into smaller units (when permitted by zoning) to increase profitability

This freedom allows add value to the property with practical actionsThis is not possible with traditional financial investments.

Choosing the type of location and audience profile

Another point of flexibility when investing in real estate in Florida is the possibility of choosing the rental model that best suits your objectives. You can choose:

• Vacation home

• Long-term rental (12 months or more)

• Corporate rental

• Own use + rent in free periods

This freedom makes it possible to adjust the strategy according to the market demand, time of year and your personal preferences - especially in tourist regions like Orlando, where the high season can generate significantly higher yields.

⚠️ Attention:

Not all condominiums and residential areas allow short-term rental. It is essential to check, before purchaseif the property is in an area with appropriate zoning for this type of rental and if the condominium authorizes.
Ignoring this rule can result in fines, prosecution or even a ban on commercial use of the property.

For this reason, it is highly recommended to rely on the guidance of a specialized team, such as One Vacation Home, who knows the legal details and can help you choose properties authorized, well located and with high return potential.

In addition to profitability and appreciation, investing in real estate in Florida can also be a smart investment strategy. estate and succession planning. After all, real estate in the United States is considered registrable and transferable assetsThis allows them to be included in a structured inheritance plan with international legal validity.

Property as a family legacy

When you buy a property in Florida, you are building a hard currency equityIt is a highly liquid and globally recognized asset that can be transferred to children, spouses or heirs in the future.

This type of investment adds security and stability for future generationsand many families use the property not only as a source of income, but also as a place to live. base for travel, temporary housing or even future immigration.

Succession in the USA: how does it work?

In the United States, the succession of property does not occur automatically. In the event of the owner's death, the property goes through a process called probate (judicial succession), which can be time-consuming and costly, especially if the asset is in the name of an individual.

For this reason, many foreign investors opt for legal structures that facilitate the process, such as:

• LLC (Limited Liability Company): allows shares to be divided between heirs and facilitates succession.

• Trust: protects the property and automatically transfers it to the beneficiaries without the need for legal proceedings.

• Joint ownership with survivorship clause: the property automatically passes to the other shareholder in the event of death.

These structures help to avoid bureaucracy, high inheritance taxes and legal disputesensuring a smooth transition of assets.

Expert advice is essential

For the entire process of investing in real estate in Florida to be safe, profitable and well-structured, especially with regard to succession planning, it is essential to have legal and tax advice specializing in international investments.

In this scenario, the The Florida Lounge stands out as a complete hub of solutions for Brazilians who wish to invest safely in the United States. With a multidisciplinary team, The Florida Lounge advises from the choice of property and corporate structuring to partnerships with accountants and lawyers specializing in succession, taxation and international compliance.You don't have to do it alone.

Talk to a specialist at The Florida Lounge now and ask your questions via WhatsApp:

As we have seen throughout this article, investing in Florida real estate offers a rare combination of benefits: security of assets, appreciation in hard currency, generation of passive income, protection against inflation and opportunities for effective succession planning.

Whether it's to diversify your portfolio, generate dollar income or ensure a solid family legacy, the Florida real estate market is proving to be resilient, profitable and accessible to Brazilians who are looking to invest strategically.

But like any good investment, success lies in the details: choosing the right property, in the ideal location, with the right legal structure and reliable professional management makes all the difference.

Read also: Why is Florida the Best Destination for Real Estate Investments in 2025?

Sources used and recommended:

1. Zillow - Real estate appreciation data in Florida
   📎 https://www.zillow.com/fl/home-values/

2. U.S. Census Bureau - Population growth and internal migration to Florida
   📎 https://www.census.gov/quickfacts/FL

3. IRS - Internal Revenue Service (on property deductions and depreciation)
   📎 https://www.irs.gov/publications/p527
   (Publication 527 - Residential Rental Property)

4. Florida Housing Market Report (Florida Realtors)
   📎 https://www.floridarealtors.org/news-media/research

5. Orlando Weekly - Short-term rental regulations in Central Florida
   📎 https://www.orlandoweekly.com/news/airbnb-crackdown-orlando-officials-push-for-more-regulations-on-short-term-rentals-32963972

6. Miami-Dade County Zoning on Short-Term Rentals
   📎 https://www.miamidade.gov/global/service.page?Mduid_service=ser1551715191619496

7. U.S. Small Business Administration - LLCs and estate planning
   📎 https://www.sba.gov/business-guide/launch-your-business/choose-business-structure

8. Estate Planning in Florida - Probate, LLCs and Trusts
   📎 https://www.floridabar.org/public/consumer/pamphlet013/

9. The Florida Lounge - Consulting for Brazilian investors in the USA
   📎 https://www.thefloridalounge.com/