Should a Mexican citizen buy under my personal name or through an LLC in Miami?

🇲🇽 Buying in Your Personal Name (as a Mexican Citizen)

✅ Pros:

• Simpler and faster purchase process
   
• Lower upfront costs (no legal setup fees)
   
• You can qualify for homestead exemption if you later become a U.S. resident and make it your primary residence
   

❌ Cons:

• Less asset protection — your property could be exposed in lawsuits or creditor claims
   
• FIRPTA withholding applies if you sell — the IRS withholds 15% of the sale price
   
• Inheritance complications — U.S. estate tax may apply to non-resident aliens with assets over $60,000 at the time of death
   

🏢 Buying Through a U.S. LLC

✅ Pros:

• Limited liability protection — separates your personal assets from property-related risks
   
• Estate planning advantage — easier to transfer shares to heirs without triggering U.S. estate taxes
   
• Privacy — your name doesn’t appear on public property records
   
• Potential tax optimization with proper structure (consult a U.S.-Mexico tax advisor)
   

❌ Cons:

• Legal and administrative setup costs (approx. $500–$1,000)
   
• Ongoing compliance: annual filings, registered agent, tax returns
   
• May not be eligible for some types of financing or homeowner insurance discounts
   

🧾 Best Practice for Mexican Investors

• For long-term investment or rental properties, many experts recommend using an LLC or foreign-owned U.S. company for protection and tax flexibility.
   
• For a vacation home with low risk and no heirs, buying in your personal name may be simpler.
   

📌 Final Tip:

Always consult with a U.S. real estate attorney and a cross-border tax advisor to set up the ideal structure based on your personal situation and investment goals.

I would greatly appreciate it if you could leave a review on Google — your opinion means a lot to me! https://g.page/antonio-aguirre-miami/review?rc