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  • Home
  • Countries

    Top Destinations:

    Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

    • Spain
    • Portugal
    • Panama
    • Belize
    • Colombia
    • Cyprus
    • Mexico
    • France
    • Montenegro
    • Browse All Countries

    Best For:

    • The Best Places To Retire
    • Health Care Abroad
    • Cost Of Living
    • Investing in Real Estate
    • Establishing Residency
    • Gun Laws In The World
    • English-Speaking Countries
    • Safest Places For Retirement
    • Best Places In Latin America
  • Budgets

    How Much Will It Cost You To Live Overseas?

    The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

    Super Cheap

    • Chitré, Panama
    • Santa Marta, Colombia
    • Phuket, Thailand
    • Dumaguete, The Philippines

    Cheap

    • Medellin, Colombia
    • Boquete, Panama
    • Kyrenia, Cyprus
    • Hua Hin, Thailand
    • The Algarve, Portugal

    Affordable

    • Valencia, Spain
    • Cascais, Portugal
    • Las Terrenas, The DR
    • Pisa, Italy
    • La Rochelle, France
    • Mazatlán, Mexico

    Luxury

    • Ambergris Caye, Belize
    • Kotor, Montenegro
    • The Panama City Beaches
    • Paris, France
  • Resources

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    Follow Us:

    • Meet Our Experts
  • Real Estate

    Buying Real Estate For Cashflow

    • Discover tips and strategies used by global property investing veterans

    Explore Our Latest Posts

    • Learn how to invest and purchase property abroad…

    Go To The Overseas Property Alert Site

    • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
  • Conferences

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    • Explore Our Events Site

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

    Learn More About This Event
    Learn More About This Event
    PRE-REGISTER
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    PRE-REGISTER
    • MORE EVENTS

    Contact Our Events Team

    Toll-Free U.S. and Canada:
    1 (888) 627 8834
    From Outside North America:
    1 (443) 599 1221
    Working Hours
    Monday – Friday 08:00 am – 17:00 pm EST.

    Reach us with your questions by email at: events@liveandinvestoverseas.com

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    Your passport to a life well-lived abroad

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    overseas living letter offers affordable retirement guidance
    The Simon Letter Wealth Protection Insights
    Global Property Advisor Global Investment Opportunities

    Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

  • My Library
Live and Invest Overseas
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LIVE AND INVEST IN PANAMA

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Home In Focus: Panama

Vision, Community, And Cash Flow

by Lief Simon
Apr 11, 2024
in In Focus: Panama
0 0
Los Islotes in Azuero Peninsula, Panama

Live And Invest Overseas

Finding Los Islotes wasn’t easy.

Nor was getting here.

There wasn’t a direct road to the property. To gain access you had to hike in from the neighbor’s property, or come in from the beach. It was originally a cattle farm and the ranchers got their livestock in and out via the beach. They didn’t spend any money putting even an access road in.

I found it through lots of research and legwork.

In The Azuero Peninsula

Back in 2006, Kathleen and I explored the far side of the Azuero Peninsula, where the expat haven of Pedasí is located. My take? The terrain there wasn’t compelling. The prices weren’t either.

I figured there must be something better in the next Path of Progress in Panama.

And so we studied the map and came down this side of the peninsula in early 2007. We looked at pretty much every property that was available at the time, as well as some that weren’t. And that’s when we found Los Islotes.

finding los islotes panama
Live And Invest Overseas

It was perfect from day one.

Eighteen years on, it’s here I’m building my own “intentional community”.
Amidst lush jungle and beach, colonial-style homes constructed to the highest standards dot the hillside.

View from the pool in Los Islotes. retire in panama
Live And Invest Overseas

Kathleen and I already spend much of the year here… and our neighbors are other expats who want the freedom to live in paradise and be left alone.

We’re four to six hours from Panama City (depending on who’s driving)… and far enough off the beaten track that I don’t see the government ever paying much attention to us.

 

los islotes, panama
Live And Invest Overseas

At the same time, we’re right in a Path of Progress that’s been moving down the Azuero Peninsula for years now. So, Los Islotes offers the opportunity not just to increase your freedom… but also the potential to rent your home and enjoy cash flow and appreciation.

Right now, we’re in phase one of development.

We have electricity. We have WiFi. We have recently run fiber optic to the office down by the main gate, and we’ll eventually pull the fiber optic all the way up. But meanwhile, our WiFi is connected via a tower. Down at the office, we have 85 or 100 megabits directly connected to the fiber optics. Progress continues.

There’s a handful of houses built. The style is Spanish Colonial/Mediterranean. We have a spec house available as an Airbnb rental.Los Islotes Casa 144 – Houses for Rent in Mariato, Provincia de Veraguas, Panama – Airbnb Mostly we’re selling lots—with construction options available. The spec house is move-in ready.

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The electricity comes and goes sometimes—like it does in all of Central America and even Panama City. That’s why we have generators and keep them stocked with gas.

The most exciting thing that’s happened in the last few years is the hotel/restaurant/minimarket/bar—the bramador, which opened up just at the end of the paved road where you turn off to come to Los Islotes.

Now, if you forget the milk in the town of Mariato, you don’t have to drive back for 40 minutes. You can drive five minutes to the bramador for whatever you need.

The other thing that we have that no other project along this coast really has is direct beach access.

There’s two beaches here. One we call the swim beach, it’s got calmer waters. The other beach is more for surfing, and part of a nine-kilometer stretch that goes around a bay. We’re at one end of that stretch, with a little peninsula separating the two beach sides. There’s plenty to do out on the water.

Plus, you don’t have to leave the project to get to the beach. It’s a two-minute drive from our house.

We have estuary access and horses, too. The stables are finished now—so there’s more amenities being put in every year.

This is a family project and we expect to be here forever. That’s why we also bought the lot next door to our house, for the guest house, but also to have more space for the growing family with the kids and the grandkids and others.

Everybody who comes down here says it’s beautiful but it’s not right for everyone, which is OK. We don’t want everyone.
We want the people who can see the vision—and who want the sense of community and privacy that we’re trying to build here.

Los Islotes is a refuge from a crazy world and an incubator for an independent way of life that went out of fashion in the States a long time ago…

Stay diversified,

Lief Simon

Lief Simon

Editor, Offshore Living Letter

Tags: Live in Los Islotes
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Lief Simon

Lief Simon

Lief Simon has lived and worked in 7 countries on 5 continents and traveled to more than 75 countries. His real estate investment career began with a $5,000 down payment on a three-flat building in Chicago. Less than three years later, Lief sold the building for a leveraged return of 3,000%—$150,000 in profit after closing costs and commissions.

From there, he turned his attention overseas and has bought property in 24 countries including France, Croatia, Portugal, Ireland, Belize, Spain, Argentina, Cyprus, Romania, and beyond. Thanks to his decades-long career as a global property investor, Lief has built a multi-million-dollar portfolio that includes rental properties, significant land holdings, and 7 personal residences.

Lief has established residency in 3 countries and acquired a second passport from Ireland.

In 2008 Lief and wife Kathleen Peddicord made the most important investment of their lives—a 215-acre oceanside finca, known as Los Islotes. There, on Panama’s largely undiscovered Veraguas coast, they’ve installed underground electricity, water, and internet and built a forever family home that sits at the heart of their ultimate vision: a gold standard private residential community for those in search of a true safe haven escape.

Lief’s latest book, “Cowboy Millionaire—The New American Pioneer,” collects all the wisdom he has learned in three decades of living and investing outside America.

He offers advice on international diversification in his twice-weekly Offshore Living Letter and monthly Simon Letter dispatches. For real estate investment opportunities, check out his monthly Global Property Advisor service.

If you’d like to meet Lief in person, join him for one of our upcoming in-country conferences. You’ll find further details here.

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Top Countries

  • Spain
  • Portugal
  • Panama
  • Belize
  • Colombia
  • Cyprus
  • Mexico
  • France
  • Montenegro

Best For:

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  • Investing in Real Estate
  • Establishing Residency
  • Gun Ownership
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BROWSE ALL COUNTRIES

Budgets

How Much Will It Cost
To Live Overseas?

Super Cheap

  • Chitré, Panama
  • Santa Marta, Colombia
  • Phuket, Thailand
  • Dumaguete, The Philippines

Cheap

  • Medellin, Colombia
  • Boquete, Panama
  • Kyrenia, Cyprus
  • Hua Hin, Thailand
  • The Algarve, Portugal

Affordable

  • Valencia, Spain
  • Cascais, Portugal
  • Las Terrenas, The DR
  • Pisa, Italy
  • La Rochelle, France
  • Mazatlán, Mexico

Luxury

  • Ambergris Caye, Belize
  • Kotor, Montenegro
  • The Panama City Beaches
  • Paris, France

Resources

Global Living

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Reach us with your questions by email at: events@liveandinvestoverseas.com

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  • Titles on living and investing around the world

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