Florida Real Estate Market Forecast 2025 and Mortgage Guide for Latin American Investors

A simple, beginner-friendly guide to buying your first home in Florida — from financing to closing, tailored for new buyers.

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Florida remains the top destination for international real estate investment

Florida continues to lead the U.S. housing market for foreign buyers. Between April 2024 and March 2025, the state accounted for 21% of all U.S. residential purchases made by non-residents. During that period, over $56 billion in real estate was sold to international buyers—a 33% increase compared to the previous year.

In South Florida, Latin American buyers dominated new development sales, representing 86% of all foreign purchases in Miami, Broward, and Palm Beach counties. This reflects a clear regional trend: investors from Argentina, Colombia, Mexico, Brazil, and beyond continue to seek dollar-denominated assets, protection against inflation, and opportunities for rental income or U.S. residency.

2025 real estate trends in Florida

In June 2025, Florida’s median home price dropped slightly to $412,000—around $3,000 less than in May. This shift coincides with rising inventory, which reached 5.6 months of supply, the highest level in two years.

Experts forecast a 3% to 5% annual price growth across Florida through 2026, driven by steady demand from both international and domestic buyers. However, properties in cities like Miami, Tampa, and Orlando are taking longer to sell, indicating a more balanced market and increased room for negotiation.

Among the most promising areas are Orlando, Tampa, Cape Coral, Sarasota, and Port St. Lucie, which offer strong quality-of-life metrics and more accessible price points than Miami’s urban core.

Risks and challenges investors should watch

Florida’s real estate market also faces challenges. Insurance costs are rising sharply in coastal areas, HOA fees are up, and property taxes are cutting into net returns. Additionally, foreign buyer demand has shown signs of slowing in some parts of Miami, especially in the condo segment.

Can foreign nationals get a mortgage in the U.S.?

Yes. Non-U.S. citizens can qualify for mortgage loans without a U.S. credit history. There are lending programs designed specifically for international buyers, using alternative documentation such as foreign bank statements, income reports, and reference letters.

Available programs

Foreign National Loans: Allow non-residents to purchase property without a Social Security Number or U.S. credit score, typically requiring 25% to 30% down.
DSCR Loans (Debt Service Coverage Ratio): Designed for investment properties, qualifying based on projected rental income instead of personal income.
ITIN Loans: Available to buyers using an Individual Taxpayer Identification Number rather than an SSN.

Required documentation

Valid passport or/and visa or ESTA.
Proof of income from country of origin.
Recent bank statements (usually last 6–12 months).
U.S. bank reserves covering 6 to 12 months of mortgage payments.

Why Florida is ideal for Latin American investors

Florida offers several advantages to LATAM buyers:

Dollar-based assets with no state income tax.
Strong legal protections and investment security.
Close cultural ties and large Hispanic communities in Miami, Doral, Coral Gables, and Kendall.
Potential for rental income and long-term property appreciation.

Recommended strategies for foreign buyers

Focus on high-demand rental zones such as Miami, Orlando, and Fort Lauderdale.
Explore up-and-coming cities with strong appreciation potential.
Use DSCR or Foreign National Loan programs if lacking a U.S. credit profile.
Consider forming an LLC to protect assets and simplify tax planning.

How ArBlo helps Latin American buyers

ArBlo specializes in helping foreign buyers invest securely and strategically in Florida real estate. Our team provides:

Access to verified listings in high-growth markets.
Connections with reliable lenders offering non-resident financing.
Customized investment analysis tailored to your goals and country of origin.
Legal and tax advisory for proper structuring and due diligence.
Full Spanish-language support and LATAM-specific expertise.

Book your free strategy call

If you're considering buying a property in Miami, Orlando, or elsewhere in Florida, book a call with our team. We’ll help you:

Understand your mortgage options.
Identify properties that match your goals.
Create a step-by-step plan to close with clarity and confidence.

Book your free call with ArBlo now

Sources

Disclaimer

This article is provided for informational purposes only and does not constitute legal, tax, or investment advice. Please consult with a qualified attorney or tax advisor before making any investment decision. ArBlo does not provide legal or tax services directly but works with licensed professionals to support your investment journey.

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