BreakThru Realty

Buying a Home in South Florida From Argentina

Keeping savings in dollars and bricks: what a buyer from Buenos Aires, Córdoba or Rosario should settle first

Buyers from Argentina have long treated a Florida home as a way to hold savings in dollars and in something solid, and Miami and Palm Beach County see them in numbers every year. Nothing about the transaction itself changes for an Argentine; what comes first are Argentine questions. How to document the origin of funds to the satisfaction of a United States bank and title company, how to move dollars out and into escrow, whether to pay cash or borrow, and how the home is taxed in Argentina. This page covers them in outline, and Spanish speaking agents on staff carry the plan from the first call.

BreakThru Realty · Founder and Broker of Record: Tyson E. Sam, Florida License 3565210

Published October 24, 2026 · Reviewed by Tyson E. Sam, Founder and Broker of Record

Plan My Florida Purchase From Abroad

Find My Florida Home

Your first step: BreakThru International Buyer Plan

Buying in Florida From Another Country? Settle the Rules, the Money and the Paperwork Before You Choose a Home

Foreign citizens buy South Florida homes every day, and the ones who do it well settle three things first: which rules reach them, how the money will arrive and what they can sign from home. The plan starts with a consultation in your language about how you will use the home and how you will pay, and ends with a shortlist, a carrying cost review in United States dollars, and a closing you can complete without a second flight.

What you receive

  • A consultation in English or Spanish, with an interpreter arranged for Portuguese or French, about how you will use the home and how you will pay
  • A plain summary of the rules that reach a buyer from your country: the Florida ownership law, the tax identification you will need, and FIRPTA when you sell
  • A shortlist of homes and buildings whose rules allow your plans, including seasonal use and renting it out
  • A carrying cost review in United States dollars: property tax without homestead, insurance, flood, association dues and the services that run while you are away
  • Introductions to the professionals a foreign buyer needs: a lender who writes foreign national loans, a cross border tax adviser, an attorney and a title company that closes with buyers abroad
  • A tour and closing plan: live video tours now, one visit scheduled around the finalists, and the signing arranged for where you live

What happens next

  1. Tell us where you live, where you are looking, your budget in United States dollars, how you expect to pay and the language you prefer.
  2. A BreakThru agent replies within one business day to schedule your consultation.
  3. After the consultation, your agent prepares the rules summary, the shortlist and the carrying cost review, and introduces the professionals you need.
  4. You tour by video or in person when you are ready, and the closing is arranged around where you are.

Free and without obligation. Nothing you tell us is shared with a seller, and you sign a buyer agreement only when you are ready to tour.

Plan My Florida Purchase From Abroad · Find My Florida Home

How does a buyer in Argentina purchase a home in Miami or South Florida? By settling the Argentine questions before the search: documenting the origin of funds to a United States title company's satisfaction, moving dollars into escrow under the exchange rules in force that day, choosing cash or a foreign national loan, and planning taxes in both countries with no treaty between them. The plan runs in Spanish.

Proving Where the Money Comes From

United States banks and title companies are required to understand the source of large funds, and for a buyer from Argentina the explanation often takes more paper than the purchase itself: savings accumulated over years, sometimes held outside the banking system or abroad, proceeds of a property sold in Buenos Aires, or income from a business. Assemble the trail early: statements, sale documents, tax filings and a letter from your accountant that connects them. A title company that closes with Argentine buyers regularly knows what satisfies its bank, and your agent asks it at the start what it will need, so the escrow deposit is accepted without a scramble the week of closing.

Moving Dollars and the Exchange Rules

Argentina's rules on buying foreign currency and sending it abroad have changed many times, and the practical path at any moment, whether through the official market, through dollars already held abroad, or through a sale of assets outside the country, is a question for your bank and your accountant on the day you ask it rather than for a web page. What does not change is the destination: closing funds reach the title company's escrow by dollar wire, each transfer preceded by a phone call to confirm the account, and they must land ahead of closing day rather than on it. Plan the route and the timing before the contract is signed, because a contract with a date depends on it.

Cash, or a Loan Without United States Credit

The large majority of buyers from Argentina pay cash, which closes faster, needs no appraisal and is welcomed by sellers choosing between offers. Financing exists for buyers without a United States credit file: lenders read Argentine bank statements, tax filings and business records instead, ask for a bigger down payment and for several months of payments held in reserve, and want certified translations. A few will lend against a home you have already bought for cash, which frees the money again. Talk to a lender who handles these programs before you decide; they set the rate and the conditions, and both move with the market.

Taxes in Argentina and in the United States

A Florida home shows up in your Argentine personal assets declaration from the first year, and any rent it earns is Argentine taxable income too, since residents are taxed on what they earn anywhere. On the American side, a nonresident landlord files a yearly return and is taxed on the rent after expenses, and at the eventual sale the buyer holds back a FIRPTA deposit toward the tax on your gain. Because no comprehensive tax treaty exists between Argentina and the United States, whether one country credits the other's tax depends on each country's domestic rules. Bring in an accountant who already files for Argentines owning in the United States, and do it before you make an offer.

How to Hold the Home

Title in your own name, in a Florida company, or in something your adviser designs: settle it with a tax adviser and a Florida attorney before the contract is drafted. The reason is American estate tax, which can take a large bite from a nonresident's personally held home at death, with no Argentine treaty to blunt it; that is why Argentine buyers of larger homes so often hear about entities and trusts. Every structure brings reporting on both sides, Argentina included, and some lenders refuse to lend to one. What fits turns on the price of the home, the heirs, and whether tenants will ever pay rent on it.

Where Buyers From Argentina Tend to Look

Palm Beach County, from Boca Raton through Delray Beach to Palm Beach Gardens, has drawn a large share of Argentine buyers in recent years, for its gated and club communities, beachside condos and newer construction. Miami remains the first stop for many: Brickell and downtown towers, Key Biscayne for an island of condos and houses with the city across the bridge, and Aventura for high rise condos between Miami and Fort Lauderdale. The choice follows use. A home for part of the year points to a condo whose rules allow seasonal rental; a home the family will live in points to a house near schools and the airport you will use.

Service in Spanish, Closing From Buenos Aires

You will deal with Spanish speaking agents on staff from the first conversation: the consultation, the tours by video, the negotiation and the written plan all run in Spanish. The paperwork stays in English, as every Florida title company requires, with your attorney reading it through with you in Spanish ahead of the signing. Nobody needs to board a plane for the closing. An Argentine escribano can notarize with the Hague apostille, the United States embassy in Buenos Aires notarizes by appointment, and video notarization is possible when the title company permits it. The money goes by wire to the escrow account, after a phone call confirming the account number.

Questions you may be asking

Can a foreigner even buy property in Florida?
Yes. Citizenship and residency are not required to own real estate in the United States, and a foreign owner has the same property rights as anyone else. One Florida law restricts purchases by people domiciled in a short list of countries, and the plan tells you plainly whether it reaches you.
We do not have United States credit or a bank account.
Most international buyers start that way. Lenders who write foreign national loans work from documents in your home country rather than a United States credit file, and a bank account and a taxpayer identification number can be opened as part of the process. Consult a mortgage lender early; many buyers simply pay cash instead.
We cannot travel for every step.
You should not have to. Your agent tours homes on live video, attends the inspection with you on the line, and the closing documents can be signed abroad before a notary, at a United States consulate, by remote online notarization where the title company allows it, or by a power of attorney.
What about taxes when we sell one day?
FIRPTA requires the buyer of a home from a foreign seller to withhold a share of the price for the IRS, as a deposit against the tax on the gain. There are exceptions and a certificate that can reduce it. The plan explains it in outline; a tax adviser who handles nonresident owners plans it with you before you buy.
We would rather do this in our own language.
Then we will. Spanish speaking agents are on staff, and for Portuguese or French an interpreter joins the consultation and the tours. The contracts are in English, as Florida law and the title company require, and your attorney explains them in your language.

Plan My Florida Purchase From Abroad

Tell us where you live, where in South Florida you are looking, how you expect to pay and the language you prefer. A BreakThru agent replies within one business day to schedule your consultation, in English or Spanish, with an interpreter arranged for Portuguese or French.

Call or email the brokerage directly: (786) 914-1017 · sales@breakthrurealty.com

Questions International Buyers Ask

Can an Argentine buy property in Miami or Florida?
Yes. Ownership of United States real estate is open to people of any nationality, with or without a visa, and Argentina is not among the countries Florida's ownership law names. What differs for an Argentine buyer is documenting the origin of funds, moving dollars into escrow, and taxes in two countries, which the plan addresses in Spanish.
What documents prove the origin of my funds?
Bank statements, the sale documents of any property sold, tax filings and a letter from your accountant connecting them, assembled early. A title company that closes with Argentine buyers knows what its bank requires, and your agent asks at the start so the escrow deposit is accepted without delay.
How do I get dollars out of Argentina to buy?
The path depends on the exchange rules in force on the day you ask, which change often, and on where your savings already are. Your bank and your accountant give the current answer. The destination is fixed: dollars by wire into the title company's escrow, with the account verified by phone, arriving ahead of closing day.
Should I pay cash or finance?
Cash is the usual choice from Argentina: it closes quickly and sellers like it. Loans for foreign nationals do exist, underwritten from Argentine income and asset records with a larger deposit and reserves, and a few lenders will refinance a cash purchase afterward. Consult a mortgage lender for the actual terms.
Will the home be taxed in Argentina?
Yes, as a foreign asset in your personal assets declaration, and any Florida rent counts as Argentine income as well as American income. With no comprehensive treaty between the two countries, credits depend on each one's domestic law. Have an accountant experienced with Argentine owners of American property plan it before the offer.
Do you work in Spanish?
Entirely. Our agents who speak Spanish handle the consultation, the tours and the plan, and your questions get answered in Spanish at every stage. English is the language of the contract at every Florida closing; your attorney translates and explains it in Spanish before you sign anything.

The Service

Rules, Taxes and Money

Buying From Your Country

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