Index

  •  
  • ABA. See American Bankers Association
  • Acres conversion, 41
  • Agricultural land
    • Argentina, 86
    • cash crops, 86–87
    • cash flow, 84–89
    • farm management companies, 85–87
    • France, 86
    • hydroponic farms, 87
    • new asset class, 83
    • plantations, 87
    • Spain, 86
    • teak plantations, 88–89, 123–124
    • trees for timber, 87–89
    • Uruguay, 84–85
  • Agricultural markets
    • Colombia, 124
    • hydroponic farms, 125
    • IRR, 123
    • Panama, 123–124
    • Spain, 124
  • Airbnbs, 64–65, 174
  • Allende, Salvador, 18
  • American Bankers Association (ABA), 194
  • Appreciation, 3–4
  • Argentina
    • agricultural land, 86
    • capital gains tax, 198
    • cost of living, 16
    • expat market, 16
    • ownership restrictions, 178
    • part-year living, 16
    • politics, 15
    • real estate closings, 151
    • real estate investment, 15–16
    • renovation property, 93
    • rental management, 186–187
    • title holding, 154
  • Asset protection, 49–50
  • Australia, hard money loans, 6, 75
  •  
  • Baby Boomers, 18, 35, 114
  • Bali, 73
  • Bank financing terms, 201
  • Belize
    • dollar in, 100
    • expat market, 17, 182
    • healthcare, 17
    • property tax, 208
    • real estate investment, 16–17
    • retirement location, 17
    • safety, 16
  • Booking.com, 64
  • Brazil
    • currency restrictions, 193
    • dollar in, 103–104
    • economy, 17
    • Florida comparison, 46
    • Maceió, 18
    • ownership restrictions, 178
    • Portuguese language, 18
    • quality of life, 39
    • real estate investment, 17–18
    • retirement location, 39, 46
  • Budgets
    • checklist, 203
    • European retirement locations, 41
    • in overseas property buying steps, 133–135
    • renovation property, 94
  • Buy-to-flip market, 79–81. See also Preconstruction property
    • Dominican Republic, 115–117
    • Panama, 113–115
    • Poland, 117–118
  •  
  • California, 19, 28, 45, 57
  • Capital gains tax, 197, 201
  • Carrying costs, 205
  • Cash flow, 1, 3. See also Gross returns; Net returns
    • agricultural land for, 84–89
    • cash crops for, 86–87
    • long-term rental projections, 73–74
    • money in pocket, 2
    • nondollar, 4–6
    • online math spreadsheet, 199
    • from overseas property, 45–47, 49–50
    • potential, 7
    • return as primary, 189–190
  • CD. See Certificate of deposit
  • Celtic Tiger, 24, 120, 129, 189
  • Certificate of deposit (CD), 197
  • Chile
    • expat market, 18–19
    • La Serena, 18–19
    • real estate investment, 18–19
  • China, 26, 85, 114
  • Closings
    • buying step, 151–152
    • documents, 148–149
    • notary and, 148, 152
  • Colombia
    • agricultural market, 124
    • capital gains tax, 135
    • currency restrictions, 193
    • development plans, 178
    • dollar in, 104–105
    • hard-money loans, 77
    • Medellin, 19–20, 39, 46, 53, 64, 91–92, 100, 178–179
    • property tax, 208
    • purchase identification, 144
    • real estate agents, 140
    • real estate investment, 19–20
    • renovation property, 91–92
    • short-term rentals, 64
    • taxes, 20
    • Texas comparison, 45–46
    • trees for timber, 89
    • zoning, 179
  • Contacts network, 137–147
  • Cost of living, 11
    • Argentina, 16
    • Dominican Republic, 116
    • Ecuador, 22
    • France, 23
    • Italy, 25
    • Malaysia, 26
    • Mexico, 42
    • Portugal, 42
  • Croatia
    • capital gains tax, 198
    • lifestyle options, 21
    • real estate investment, 13–15, 20–21
    • sales agreements, 148
    • scenery, 13–14
    • title holding, 154
    • tourist markets, 14–15
  • Curb appeal, 161–162
  • Currency. See also Dollar, U.S.
    • diversification, 100, 196–197
    • euro, 5–6, 105–106, 121
    • overseas property factor, 6
    • peso, 6, 15, 105
    • rate of exchange, 6, 195–196
    • restrictions, 193
  •  
  • Day-to-day services, 205
  • Developers
    • checklist, 205
    • developer financing, 58
    • experience and support, 173–175
    • Ireland, 129
  • Diversification, 7–8
    • currency, 100, 196–197
    • market opportunities, 100–101
    • overseas property and, 49–50
  • Dollar, U.S., 197
    • Belize, 100
    • Brazil, 103–104
    • Colombia, 104–105
    • Ecuador, 100
    • Europe, 105–106
    • Mexico, 100
    • Nicaragua, 100
    • Panama, 100
  • Dominican Republic
    • buy-to-flip market, 115–117
    • cost of living, 116
    • developer financing, 58
    • expat market, 21–22, 116
    • hurricane zone, 22
    • Las Terrenas, 21–22
    • local financing, 56
    • quality of life, 116–117
    • real estate investment, 21–22
    • retirement location, 117
    • tax incentives, 117
    • tourist infrastructure, 21
  • Due diligence checklist
    • budget, 203
    • carrying costs, 205
    • day-to-day services, 205
    • developer track record, 205
    • HOA, 204
    • property access, 204
    • property caretaker, 205
    • property with purchase, 203
    • short-term rental, 204
    • zoning rules, 203–204
  •  
  • ECB. See European Central Bank
  • Ecuador, 4
    • cost of living, 22
    • dollar in, 100
    • expat market, 22
    • healthcare, 22
    • population density, 22–23
    • quality of life, 40
    • real estate investment, 22–23
    • retirement location, 22, 38, 40
  • EOT. See Esquema de Ordenamiento Territorial
  • Escobar, Pablo, 105
  • Esquema de Ordenamiento Territorial (EOT), 178
  • Euro, 5–6, 105–106, 121
  • Europe. See also specific countries
    • dollar in, 105–106
    • local financing, 56
    • retirement locations, 41
  • European Central Bank (ECB), 121
  • Exit markets, 181–183
  • Expat market, 137, 139
    • Argentina, 16
    • Belize, 17, 182
    • Chile, 18–19
    • Dominican Republic, 21–22, 116
    • Ecuador, 22
    • Malaysia, 26
    • Mexico, 27–28, 42–43
    • Portugal, 31, 42
    • resale target, 163
    • Spain, 31–32
    • Uruguay, 32–33
  •  
  • Farm management companies, 85–87
  • Financial crisis of 2008, 1
  • Financing. See also Leverage; Money transfers; Mortgages; Purchase negotiation; Taxes
    • bank terms, 201
    • developer, 58
    • hard-money loans, 6, 75–77
    • local, 55–56
    • from U.S., 57–58
  • Fixer-uppers. See Renovation property
  • Florida, 46
  • Fondo Nacional de Fomento Turismo (FONATUR), 108
  • France
    • agricultural land, 86
    • capital gains tax, 135, 209
    • cost of living, 23
    • inhabitant tax, 208
    • local financing, 56
    • long-term rentals, 70
    • property tax, 208
    • purchase identification, 144–145
    • quality of life, 23
    • real estate investment, 23
    • refinancing in, 122
    • rental management, 145, 185–186
    • retirement location, 41, 61
    • sales agreements, 148
    • title holding, 153–154
  •  
  • Gross returns, 73
    • net returns comparison, 4
  •  
  • IBAN. See International bank account number
  • Income tax, 201, 207–208
  • Inhabitant tax, 208
  • Internal rate of return (IRR), 123
  • International bank account number (IBAN), 194
  • Ireland
    • housing developments, 129
    • long-term rentals, 70
    • net return in, 189–190
    • real estate agents, 129
    • real estate investment, 1, 3–4, 23–25
    • renovation property, 93
    • rental purchase, 24–25
  • IRR. See Internal rate of return
  • IRS regulations, 47, 121, 197, 207
  • Italy
    • cost of living, 25
    • lifestyle diversity, 25
    • local financing, 56
    • markets, 106
    • Pisa, 26
    • Ravenna, 25–26
    • real estate investment, 25–26
    • retirement location, 41
  •  
  • La Serena, Chile, 18–19
  • Lagos, 4–6
  • Las Terrenas, Dominican Republic, 21–22
  • Legacy, 49–50
  • Leverage, 2–4
    • overview, 119
    • Panama for local, 120
    • Portugal for local, 121
    • preconstruction property, 79–81
    • Spain for local, 121
  • Limited liability company (LLC), 155
  • liveandinvestoverseas.com/howtodooverseascashflowmath, 199
  • liveandinvestoverseas.com/realestatemarketdata, 201
  • LLC. See Limited liability company
  • Loan-to-value ratio (LTV), 2–4, 55–56, 58, 134
  • Local bank accounts, 196–197
  • Long-term rentals
    • advantages, 69
    • Bali, 73
    • building and building management, 72–73
    • cash flow projection, 73–74
    • disadvantages, 70
    • France, 70
    • Ireland, 70
    • market and, 71
    • Panama, 71–74
    • rental managers, 70–71
    • security deposits, 71
    • types, 71–72
    • Uruguay, 73
  • LTV. See Loan-to-value ratio
  •  
  • Malaysia
    • cost of living, 26
    • expat market, 26
    • health care, 27
    • real estate investment, 26–27
  • Manzanas, 41
  • Markets. See also Buy-to-flip market; Expat market; Leverage
    • acquisition and disposal costs, 101
    • avoid unknown or unresearched, 169–171
    • carrying costs, 101
    • Croatia tourist, 14–15
    • data website at liveandinvestoverseas.com/realestatemarketdata, 201
    • diversification opportunity, 100–101
    • economic outlook, 99
    • evaluation for investment, 99–101
    • exit markets, 181–183
    • improvement plans, 99–100
    • Italy, 106
    • long-term rentals and, 71
    • supply and demand, 99
  • Metric units of measure, 41
  • Mexico
    • cost of living, 42
    • dollar in, 100
    • expat market, 27–28, 42–43
    • Mazatlan, 39, 42–43
    • Playa del Carmen, 107–108
    • real estate investment, 27–28
    • retirement location, 28, 39, 42–43
    • safety, 108
    • tourist rental property, 107–108
  • MLS. See Multiple listing service
  • Money transfers
    • currency restrictions, 193
    • local bank account, 196–197
    • overview, 193–195
    • property exit sale, 197–198
    • rate of exchange and, 195–196
    • real estate attorneys, 194
    • taxes and, 197–198
    • 1031 like-kind exchange and, 198
    • wire transfers, 193–194
  • Montenegro, 1
  • Mortgages, 55–56
    • mortgage brokers, 122
    • Panama, 120
    • Portugal, 121
  • Multiple listing service (MLS), 85
  •  
  • Net returns, 70, 73, 189, 190
    • gross returns comparison, 4
  • New Zealand
    • capital gains tax and, 135, 198, 209
    • like-kind exchange, 198
  • Nicaragua
    • crisis investment opportunity, 28
    • dollar in, 100
    • real estate investment, 28–29
    • retirement location, 40
  • Nondollar cash flow, 4–6
  • Notaries
  •  
  • Off-plan buying, 79. See also Preconstruction property
  • onlineconversion.com/area.htm, 41
  • Other people's money (OPM), 2–3, 119
  • Overseas property. See also Agricultural land; Preconstruction property; Renovation property
    • cash flow from, 45–47, 49–50
    • currency factor, 6
    • diversification, asset protection, legacy, and, 49–50
    • exit sale, 197–198
    • Florida compared to Brazil, 46
    • ownership restrictions, 201
    • privacy and, 47
    • property access, 204
    • property caretaker, 205
    • retirement locations, 35–36
    • South Carolina compared to Portugal, 46–47
    • taxes and, 50
    • Texas compared to Colombia, 45–46
  • Overseas property, avoiding loss
    • avoid unknown or unresearched markets, 169–171
    • confirm developer experience and support, 173–175
    • know exit market, 181–183
    • manage rental manager, 185–187
    • net return as primary, 189–190
    • overview, 167
    • understand local laws and bureaucracy, 177–179
  • Overseas property, buying steps
    • administrative infrastructure checklist, 142
    • budget and round-trip costs, 133–135
    • contacts network, 137–147
    • deal closure, 151–152
    • overview, 129
    • purchase identification, 143–145
    • purchase negotiation, 147–149
    • tax management, 157–158
    • three locations research, 131–132
    • title holding, 153–155
  •  
  • Panama
    • agricultural market, 123–124
    • buy-to-flip market, 113–115
    • capital gains tax, 154
    • China ties, 114
    • curb appeal, 161
    • developer financing, 58
    • dollar in, 100
    • health care, 29
    • income tax, 208
    • local financing, 56
    • local leverage, 120
    • long-term rentals, 71–74
    • mortgages, 120
    • Panamanian yuppie, 115
    • preconstruction property, 80–81
    • property registry, 149
    • property tax, 157, 208
    • real estate investment, 29
    • residency program, 114
    • retirement location, 19, 37
    • teak plantations, 88–89
    • title holding, 153
  • Peso, 6, 15, 105
  • PMI. See Private mortgage insurance
  • Poland, 117–118
  • Ponzi schemes, 129
  • Portugal
    • Algarve region, 30–31, 42, 110
    • cost of living, 42
    • exit market, 181–182
    • expat market, 31, 42
    • healthcare, 31
    • income tax, 208
    • local financing, 56
    • local leverage, 121
    • mortgages, 121
    • property taxes, 158
    • real estate investment, 29–31
    • retirement location, 42
    • sales agreements, 148
    • South Carolina comparison, 46–47
    • tourist rental property, 109–110
    • zoning, 179
  • Preconstruction property
    • Dominican Republic, 115–117
    • leverage, 79–81
    • Panama, 80–81, 113–115
    • Poland, 117–118
    • Spain, 79–80
  • Private mortgage insurance (PMI), 55
  • Professional photography, 162
  • Property taxes, 157–158, 201, 208
  • Purchase identification, 143–145
  • Purchase negotiation
    • closing documents, 148–149
    • down payments, 149
    • offer, 147
    • sales agreement, 147–148
    • timing, 149
  •  
  • Rais, 41
  • Rate of exchange, 6, 195–196
  • Ravenna, Italy, 25–26
  • Real estate agents, 1, 66
    • Colombia, 140
    • coverage by, 109–110
    • fees, 201
    • in-country network, 137–142
    • in-person meetings, 132
    • Ireland, 129
    • local, 5, 76
  • Real estate attorneys, 76–77, 131–133
  • Real estate collapse, 2008, 81, 83, 169, 181, 190
  • Real estate investment. See also Overseas property
    • Argentina, 15–16
    • for average person, 53
    • Belize, 16–17
    • Brazil, 17–18
    • Chile, 18–19
    • Colombia, 19–20, 45–46
    • cost of living and, 11
    • Croatia, 13–15, 20–21
    • Dominican Republic, 21–22
    • Ecuador, 22–23
    • France, 23
    • global, 1
    • holiday homes, 14–15
    • Ireland, 1, 3–4, 23–25
    • Italy, 25–26
    • Malaysia, 26–27
    • Mexico, 27–28
    • Nicaragua, 28–29
    • Panama, 19, 29
    • Portugal, 29–31, 46–47
    • Spain, 31–32
    • uncertainty, 7–8
    • Uruguay, 32–33
  • Registration fees, 201
  • Renovation property
    • architectural plans, 96
    • Argentina, 93
    • budget with surrounding market, 94
    • Colombia, 91–92
    • contractors, 96
    • geography and, 96
    • Ireland, 93
    • local materials and methods, 95
    • location, 93
    • partial payments, 96
    • presence on, 95
    • resale buyers or renters, 94
    • structure checks, 94
    • time and expense for, 92, 96
    • value-adding items for, 94–95
  • Rental management/managers
    • Argentina, 186–187
    • farm management companies, 85–87
    • France, 145, 185–186
    • in-country contacts, 137–142
    • long-term rentals, 70–71
    • management of, 185–187
    • short-term rentals, 66–68
  • Rental yield, 1–4, 74, 102, 105, 110, 143, 205
  • Resale tips
    • avoiding common, 161
    • curb appeal, 161–162
    • patience practice, 162
    • professional photography for ads, 162
    • season timing, 163
    • self listing, 163
    • targeting expats, 163
    • watching competition, 163
  • Retirement locations, 14
    • Belize, 17
    • Brazil, 39, 46
    • Dominican Republic, 117
    • Ecuador, 22, 38, 40
    • European budget options, 41
    • France, 41, 61
    • Italy, 41
    • lifestyle choice, 61
    • Mexico, 28, 39, 42–43
    • Nicaragua, 40
    • overseas property, 35–36
    • own or rent, 37–38
    • Panama, 19, 37
    • Portugal, 42
    • quality of life, 36
    • on $700 per month, 40
    • tips for buying, 39–40
    • Uruguay, 38
  • Retirement Revolution, 36
  • Round-trip costs, 133–135
  •  
  • Sales agreements, 147–148
  • Schengen rules, 106
  • Security deposits, 66, 71
  • Short-term rentals, 203
    • Airbnbs, 64–65
    • checklist, 204
    • Colombia, 64
    • disadvantages, 69
    • expenses, 65–66
    • rental managers, 66–68
    • shopping for, 63–64
    • Uruguay, 64
  • Social Security, 35–36
  • South Carolina, 46–47
  • Spain
    • agricultural land, 86
    • agricultural market, 124
    • Costa Tropical, 32
    • exit market, 181
    • expat market, 31–32
    • local financing, 56
    • local leverage, 121
    • preconstruction property, 79–80
    • tourist rental property, 108–110
    • zoning, 179
  • Spousal Effect, 92
  • SWIFT numbers, 194
  •  
  • Taxes. See also Capital gains tax
    • Colombia, 20
    • incentives, Dominican Republic, 117
    • income, 201, 207–208
    • inhabitant tax, 208
    • money transfers and, 197–198
    • overseas property and, 50
    • property, 157–158, 201, 208
    • tax management, 157–158
    • 1031 like-kind exchange, 198
    • transfer, 133–135
    • withholding taxes, 4, 133–134, 158, 201
  • Teak plantations, 88–89, 123–124
  • 1031 like-kind exchange, 198
  • Texas, 45–46, 57
  • Title holding, 153–155, 177–178
  • Tourist rental property, 107–111
  • Transfer taxes, 133–135
  • Trees for timber, 87–89. See also Teak plantations
  • 2% investing, 3–4
  •  
  • Uruguay
    • agricultural land, 84–85
    • Costa de Oro, 33
    • expat market, 32–33
    • long-term rentals, 73
    • real estate investment, 32–33
    • retirement location, 38
    • short-term rentals, 64
  •  
  • Vacation Rentals by Owner (VRBO), 64, 174
  •  
  • Websites
    • acres conversion, 41
    • Booking.com, 64
    • liveandinvestoverseas.com/howtodooverseascashflowmath, 199
    • liveandinvestoverseas.com/realestatemarketdata, 201
    • onlineconversion.com/area.htm, 41
    • Zillow, 132
  • Withholding taxes, 4, 133–134, 158, 201
  •  
  • Zillow website, 132
  • Zoning, 177–179
    • checklist, 203–204
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