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Costa Rica, on your terms. Owner-financed,
fully bilingual, built for Americans.
Around 120,000 Americans already live here. Roughly 70% of all visitors who land in Costa Rica come from the United States. We help you join them — with the right property, the right structure, and a closing process that respects your time.
A second life — or a second home — in the country Americans pick more than any other.
If you are an American thinking about Costa Rica, you are not alone — and you are not early. Roughly 1.59 million of the 2.66 million tourists who came to Costa Rica in 2024 were from the United States. About 120,000 Americans already make Costa Rica their primary or seasonal home. We work with American buyers every week, from retirees on a fixed income to founders who want a Pacific-coast base.
What they have in common is simple: they want a country that is stable, friendly to outside capital, and reachable in under five hours from most of the East and Gulf Coasts. Costa Rica abolished its standing army in 1948 and has run an uninterrupted democracy ever since. There is no foreign-buyer transfer tax. Property tax sits at roughly 0.25% per year. The country uses U.S. dollars freely alongside the colón.
The biggest difference from the United States is the tax architecture. Costa Rica taxes only Costa Rica-source income — your U.S. salary, dividends, and rental income are not taxed locally. You will still file with the IRS (Americans always do), but the layering means most of our U.S. clients owe little or nothing extra to the Costa Rican treasury on their U.S. income.
The other thing American buyers learn quickly: U.S. banks do not finance Costa Rican real estate. That is why owner financing is our edge. On our premium inventory we structure terms — typical 30–40% down, 5–7 year balloon, 6–8% fixed — that no major franchise broker can match. We close the gap your bank can't.
Every honest question, answered in plain English.
Each card opens a long-form guide we wrote ourselves — sourced, dated, and free of marketing fluff.
From first call to keys in hand, in 30–60 days.
No tire-kicking, no week-long silences, no surprise paperwork. Four steps, each with a real timeline.
Discovery call
30 min · Zoom or WhatsApp
- We listen first — budget, timeline, residency goal
- Plan B vs second home framing
- Financing route mapped before listings
- No pitch on this call
On-the-ground visit
2–4 days · 2 regions · 6 properties
- Pre-curated shortlist matched to call
- Ride to each property with you
- Local counsel + CPA introductions
- Walk parcels, no rushed tours
Owner-financed offer
30–40% down · 5–7yr · 6–8% fixed
- Seller-carry baked in from offer day 1
- First-rank mortgage registered on title
- Math transparent — no surprises
- Inversionista visa runs in parallel
Closing in 30–60 days
Bilingual to the closing room
- Title search + due diligence + escrow
- Sign in person, by POA, or remote
- Funds wire in USD
- SUGEF-licensed escrow throughout
Founder-led. Owner-financed. Bilingual to the closing room.
Three things that separate us from the franchise-broker competition — each is structural, not marketing.
Founder-led, locally based
Leo + Noah live and operate in Costa Rica
- We run hotels and developments here
- Same regulators, attorneys, notaries you'll meet
- You're not handed off to a junior agent
Owner financing on premium
The line no major broker can match
- Pre-vetted seller-carry inventory
- 30–40% down, 5–7yr balloon, 6–8% fixed
- Mortgage registered first-rank on title
Bilingual closing room
Every doc, both languages, day 1
- Drafted in EN + ES from the start
- Notary, escrow, banking — all bilingual
- POA + Apostille support if you can't fly down
Ready to talk to someone who actually lives here?
No mass-template sequences. No 48-hour silence. WhatsApp gets answered in your time zone, by Leo directly.
+506 8798 6122 · info@realestategrupo.com · realestategrupo.com
Luxury Real Estate in Santa Teresa, Mal País & Playa Hermosa
Discover beachfront homes, ocean-view villas, buildable land, boutique hotels, and high-upside investment opportunities across Costa Rica’s most desirable coastal markets. Real Estate Grupo helps buyers, investors, and developers find standout properties in Santa Teresa, Mal País, Playa Hermosa.
