How to Invest in a Miami Apartment from Colombia and Legally Pay Fewer Taxes

Investing in Miami is a dream for many Colombians seeking financial security, long-term value, and a vibrant lifestyle. However, if you don't structure your purchase the right way, you could end up paying more in taxes or exposing your personal assets.I’m Ángela Aristizábal, a Miami Realtor specializing in international investors, and in this article, I’ll explain how to invest $500,000 USD strategically, safely, and with real tax advantages.

🎯 The Goal: Smart Property Ownership

When purchasing property in the U.S., you can buy under your personal name or through legal structures like LLCs(Limited Liability Companies). Making the right decision from the beginning helps you:

Legally reduce your tax burden
Protect your identity and personal assets
Maximize rental income potential
Avoid inheritance tax (Estate Tax)

🧩 Ideal Structure for a Colombian Investor

✅ Recommended Setup: Delaware or Wyoming LLC + Florida LLC

This dual structure is perfect if you want privacy, asset protection, and tax efficiency.

How does it work?

Create an LLC in Delaware or WyomingThese states offer high privacy. Owners are not listed on public records.
Create a Florida LLC owned by the first LLCThis Florida-based company will be listed as the property owner in public records.
The Florida LLC purchases the propertyYour name is not publicly linked to the asset. You gain liability protection and strategic advantages.
(Optional but highly recommended) Set up a Trust to avoid up to 40% in U.S. Estate Taxes.

💸 Taxes You Can Minimize or Avoid

Tax TypeEstimateHow to Reduce ItProperty Tax~2% annually of the property valueLocal tax, cannot be avoidedRental Income Tax21% corporate taxDeduct expenses, maintenance, depreciationCapital Gains Tax15–23.8% on property saleUse 1031 Exchange or step-up basisEstate TaxUp to 40%Avoidable with a Trust + LLCFIRPTA Withholding15% on sale for foreign sellersCan be avoided with proper planning

🧾 Documents Your Client Will Need

Valid Colombian passport
Proof of funds (bank statement or letter)
LLC formation documents (I can connect you with trusted professionals)
EIN (IRS tax ID) for the LLC
Purchase agreement (I will guide you through this process)

🏡 Planning to Rent the Property?

Great! Many Miami properties allow for vacation rentals like Airbnb or long-term leasing. This can generate attractive rental income in U.S. dollars. With an LLC, you can also deduct many operational expenses such as HOA fees, insurance, and maintenance.

👩‍💼 How I Can Help You

As a licensed Realtor in Miami, I’ll help you make smart, strategic decisions from day one:

I’ll find the perfect property for your goals (rental, long-term value, or second home)
I’ll connect you with trusted attorneys, accountants, and title companies
I’ll handle the entire process — whether you're in Colombia or here in Miami
I’ll ensure your privacy, safety, and peace of mind

📞 Ready to Invest Smartly in Miami?

Let’s talk about your real estate goals!📱 321-663-2200📧 miamiaap123@gmail.com🌐 www.angelaaristizabal.com📸 Instagram: @SellMiamiByAngela

Investing in Miami is more than buying an apartment — it’s about building a secure, global future. And I’m here to make that future a reality for you.