Investing in Paradise: How to Buy Real Estate in Mexico While Living in the U.S.

Are you dreaming of a coastal escape, a retirement haven, or an investment property in beautiful Mexico? With its vibrant culture, lower cost of living, and diverse property options, Mexico continues to be a popular destination for U.S. buyers. At MRG Realty, LLC, we specialize in guiding international real estate transactions and can help you navigate the process with confidence.

Why Buy in Mexico?

From beachfront villas in Cancún to colonial homes in San Miguel de Allende, Mexico offers real estate for every lifestyle and budget. Key benefits include:

• Affordability: Your dollar stretches further.

• Lifestyle Upgrade: Warm climate, stunning scenery, and rich culture.

• Investment Opportunity: Mexico’s growing tourism and expat markets are fueling demand.

Top Vacation Cities in Mexico for U.S. Buyers

Looking for the perfect place to invest or escape to? These cities are among the most popular for vacation homes and expat living. Click to explore properties:

• Cancún – White sand beaches and luxury living.

• Playa del Carmen – Relaxed coastal vibes and growing expat community.

• Tulum – Eco-friendly design and wellness retreats.

• Puerto Vallarta – Colonial charm and Pacific sunsets.

• San Miguel de Allende – Art, history, and culture in the highlands.

• Los Cabos – Upscale lifestyle and dramatic coastlines.

• Mazatlán – Affordable living with rich traditions.

• Lake Chapala – Peaceful lakeside life, a favorite of retirees.

Can U.S. Citizens Own Property in Mexico?

Yes—foreigners can own property in Mexico. However, properties within 50 km (about 30 miles) of the coast or 100 km of international borders must be purchased through a fideicomiso (bank trust) or a Mexican corporation. This trust allows you to have all the rights of ownership while complying with Mexican law.

Steps to Buying Property in Mexico

1. Work with an International Real Estate Specialist
   At MRG Realty, our founder Juan Luis Macedo is a Certified International Property Specialist (CIPS) with expertise in cross-border transactions.

2. Research Locations and Budget
   Define your priorities: rental income, vacation use, or retirement. Get pre-qualified to understand your budget.

3. Hire a Mexican Real Estate Attorney
   Legal guidance is essential. Your attorney will review contracts, verify titles, and ensure compliance with Mexican property law.

4. Choose a Notary Public (Notario Público)
   Notaries in Mexico play a critical legal role in formalizing property transfers and ensuring taxes and regulations are properly addressed.

5. Set Up a Fideicomiso or Mexican Corporation
   Your attorney will guide this setup, typically through a Mexican bank, for coastal or border properties.

6. Due Diligence and Offer
   Just like in the U.S., property inspections, appraisals, and offer negotiations are key.

7. Closing
   The notary, your attorney, and your bank trustee coordinate to finalize the transaction.

Financing Your Purchase

Yes, most property purchases in Mexico are made in cash—often by selling a home in the U.S. and reinvesting abroad. However, you don’t have to refinance or sell your current home to buy in Mexico. With as little as 30% down, you can secure financing through select international lenders.

At MRG Realty, we can connect you with trusted financing partners who specialize in cross-border lending. We'll help you explore your options, understand exchange rates, and legally transfer funds for a smooth, compliant transaction.

Tax Implications and Residency

U.S. citizens must report foreign property income and capital gains to the IRS. If you plan to spend significant time in Mexico, consult with a tax advisor and immigration specialist to understand visa and residency requirements.

Partner With MRG Realty

At MRG Realty, we’re not just Houston-based experts—we’re your international real estate allies. Whether you're looking for a vacation retreat or a smart investment, our global experience and trusted network in Mexico ensure a smooth, secure, and rewarding property purchase.

📩 Ready to explore? Contact Juan Luis Macedo, CIPS,  at https://www.mrgrealty.com/buy_or_sell_real_estate_in_mexico