Miami Condos for Foreign Buyers
Miami · Guide
A new generation of international ownership in Miami
Miami has become the western hemisphere’s most coveted address — a city where European elegance, Latin warmth, and American opportunity converge on the water. For foreign buyers, the Florida market offers a rare combination of asset security, tax efficiency, and lifestyle. This guide distills what KUO° advisors share with our private clients: the exact framework for purchasing a Miami condominium from abroad, with confidence and clarity.
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The Guide
Six steps to ownership
01
Define your purpose
Determine whether your acquisition is for personal residence, seasonal use, rental yield, or pure capital preservation. Each scenario shapes the building, neighborhood, and ownership structure we recommend.
02
Choose the right neighborhood
From Brickell's skyline towers and Edgewater's bayfront residences to Sunny Isles, Bal Harbour, Fisher Island and Coconut Grove — each enclave carries a distinct profile of pricing, amenities, and tenant demand.
03
Establish the ownership structure
Most international buyers acquire through an LLC owned by a foreign corporation. This shields personal liability, optimizes estate exposure, and preserves privacy on title records.
04
Secure financing
Foreign nationals can obtain mortgages of 50–70% LTV from US private banks with no US credit history required. Rates and terms vary; KUO° introduces clients to vetted lenders.
05
Make the offer & due diligence
Offers are typically accompanied by a 10% escrow deposit. Inspections, association documents, and 40-year recertifications are reviewed during a standard 15–30 day diligence window.
06
Closing & taxes
Closings occur in 30–45 days. Plan for documentary stamps, title insurance, and FIRPTA considerations on future resale. Annual property taxes average 1.8–2.2% of assessed value.
What to budget
Beyond the purchase price
- Closing costs: 1.5%–3% of purchase price
- HOA fees: $1.20–$3.50 per sq ft monthly in luxury buildings
- Property tax: ~2% of assessed value annually
- Insurance: Hurricane & flood coverage required
- Capital reserves: 1–3% of value for special assessments
Why Miami
The case for ownership
Bentley Residences is one of the most anticipated luxury developments in Miami, bringing together timeless architecture, elevated amenities, and exclusive private living experiences.
Global gateway
Direct flights to 160+ cities. The financial bridge between the Americas and Europe.
Asset protection
Florida's homestead and trust laws offer some of the strongest creditor protections in the US.
Capital appreciation
Miami luxury condos have appreciated an average 8.4% annually over the last decade.
No state income tax
Florida levies zero personal income tax — a meaningful advantage for high-net-worth residents.
Year-round lifestyle
World-class beaches, dining, art (Art Basel), and a tropical climate 12 months a year.
Branded residences
Access to Aman, Rosewood, Four Seasons, Bulgari, and other branded ownership opportunities.
Complimentary
Download the full guide
A 32-page editorial PDF including market data, neighborhood profiles, tax tables, and a closing-cost worksheet — delivered to your inbox.
FAQ
Frequently Asked Questions
Yes. The United States places no restrictions on foreign ownership of residential real estate. Buyers do not need US residency, citizenship, or even a visa to purchase.
No. Closings can be conducted remotely with a power of attorney executed and apostilled in your home country. KUO° coordinates the entire process.
Several private banks offer foreign-national mortgages typically up to 65% LTV. No US credit history is required. Rates are slightly higher than domestic loans.
Annual property taxes (~2%), and on resale, FIRPTA withholding of 15% of gross sale price (recoverable through filing). Florida has no state income tax.
Most luxury buildings allow rentals with minimum-lease restrictions (30 days, 90 days, or annual). Branded residences and short-term-friendly buildings are a KUO° specialty.
End-to-end concierge: property sourcing, legal & tax referrals, ownership structuring, closing coordination, and post-purchase property management.
Schedule your consultation
Speak privately with a KUO° advisor. We’ll review your goals, walk through suitable buildings, and outline the path to ownership.