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We are a full-service real estate agency committed to providing you with the highest-quality service and expertise when finding or selling your home.
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Frequently Asked Questions
Is the Fideicomiso (Bank Trust) secure, and do I truly own the property?
The Fideicomiso is the legally mandated, constitutionally recognized mechanism for foreigners to acquire property in Mexico’s coastal zones. It acts as a legal shield, ensuring compliance while granting you, the Beneficiary, full proprietary rights. This means you have the irrevocable right to sell, rent, remodel, and name beneficiaries for secure inheritance without probate. We manage the entire setup, which includes an initial fee of approximately $1,500 to $2,500 USD and an annual maintenance fee of around $500 USD.
Do I need a lawyer, and how do I ensure absolute security in the transaction?
While not legally required, having your own trusted lawyer is non-negotiable for protecting your interests and ensuring meticulous due diligence. True security comes from partnering with a highly experienced agent and engaging two neutral parties: 1. Your Independent Legal Counsel and 2. A Notario Público (a government-appointed lawyer who certifies title security). Your trust in our comprehensive process is our highest priority.
Can I pass my property to heirs, and do I need a Mexican visa to buy?
Yes, absolutely. A significant benefit of the Fideicomiso is that you name beneficiaries directly within the trust agreement, guaranteeing your property is passed to your heirs seamlessly and without the need for probate. Furthermore, you do not need a Mexican visa or residency to purchase real estate; ownership is considered a foreign investment matter.
How much are the total closing costs, and are there flexible financing options?
Closing costs typically range from 6% to 9% of the property’s purchase price. This includes the Property Acquisition Tax (2–4%), Notary fees, and initial Fideicomiso setup. Regarding financing, Mexican banks rarely offer mortgages to foreigners. However, we specialize in identifying exclusive developer financing options available on specific projects, and in most cases, sellers are open to price negotiation, especially for cash buyers.
How can I legally minimize the Capital Gains Tax when I eventually sell the asset?
Capital gains tax does apply when selling for profit. The strategic path is to select the tax rate (up to 35%) assessed only on the Net Gain (profit), not the flat 25% on the gross sale. This is critical because it allows for legal deductions, including the full, inflation-adjusted purchase price and all documented capital improvements. We guide you to ensure proper documentation is set up from Day One, maximizing your future financial return.
How do you guarantee construction quality and protect against "fake luxury" risks?
Our core commitment is quality over quantity. In high-growth areas, construction shortcuts can lead to "fake luxury" that quickly degrades. We mitigate this by only recommending projects from developers with a proven track record and by emphasizing mandatory third-party technical oversight during the build. This proactive inspection process prevents structural issues, ensuring your property is a lasting legacy, not a liability.
As an absentee owner, can I rent out my property, and do I need a property manager?
Yes, absolutely! Renting is highly encouraged, as the Riviera Maya and Los Cabos are extremely popular vacation rental markets. It is highly recommended that absentee owners engage a professional property manager. They are essential for handling maintenance, rigorous guest vetting, concierge services, and maximizing rental bookings. Furthermore, many communities have Homeowner Associations (HOAs) with fees for common area maintenance and security, which your property manager handles seamlessly.
How long does the buying process take, from offer to keys in hand?
Once your offer is accepted, the process typically takes between 30 and 90 days to complete. This timeframe allows for meticulous legal due diligence, secure payment transfers, and the establishment of the Fideicomiso. Our goal is to ensure a seamless and stress-free transaction without rushing critical security checkpoints.
We are dedicated to helping you navigate the property market with ease. Whether you're buying, selling, or investing, our expert team offers personalized services.
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© 2025 Couti Real Estate - All Rights Reserved.
We are dedicated to helping you navigate the property market with ease. Whether you're buying, selling, or investing, our expert team offers personalized services.
About
Community
Support
© 2025 Couti Real Estate - All Rights Reserved.