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    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
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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

    Global Living

    • Living & Retiring Overseas
    • Raising A Family Abroad
    • Foreign Residency & Citizenship
    • Offshore & Diversification

    Making Money

    • International Real Estate
    • Banking
    • Employment
    • Investing

    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

    Upcoming Events

    • 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
    DISCOUNT
    LEARN MORE
    PRE-REGISTER
    LEARN MORE
    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

  • Store

    Unlock The World

    • Access Your Library

    Overseas Havens Reports

    • Expats' comprehensive destination guides

    Conference Kits

    • Hours of coverage  from our latests conferences

    Lahardan Books

    • Titles on living and investing around the world
    • Explore Our Store
    Your passport to a life well-lived abroad

    Services

    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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Home Real Estate

Investing In International Real Estate

In An Uncertain World, Choose This

by Kathleen Peddicord
Jun 12, 2022
in Real Estate
0 0
View of Ponta Verde in Maceio, Alagoas, Northeast of Brazil

Adobe Stock/fredcardoso

Can an average person really invest in real estate to generate reliable cash flow overseas?

I get the question all the time.

My enthusiastically positive response isn’t based on theory but on firsthand experience and observation.

I’ve known hundreds of typical investors like you who’ve built globally diversified cash-flowing portfolios and who are enjoying both the income and the lifestyle that this investment strategy provides.

Before we go any further with this discussion, though, let’s take a step back and think about why you should be thinking about buying real estate overseas… especially right now in the face of all the uncertainty our world is facing.

Specifically and big picture, here are reasons why you are smart to be considering this idea right now:

  • Like real estate anywhere, real estate overseas is a hard asset, and, in the current investment climate, hard assets are the most sensible investment class, the best choice for storing value…
  • As with real estate anywhere, you’re buying with the hope of capital appreciation, but you can also be buying for cash flow, right now an important investment agenda… in effect, you can use this as a strategy to create enough income from cash flow to fund your retirement…
  • Real estate overseas provides portfolio diversification—diversification of currency, diversification of market, and diversification of asset type (rental, raw land, condo-hotel, etc.)…
  • Real estate overseas provides the opportunity for you to position yourself to profit from both expanding and crisis markets…
  • Real estate overseas can double as a retirement plan—today’s investment can be tomorrow’s retirement residence…
  • Real estate overseas can double as a holiday or second home, an investment that you and your family are able to use and enjoy from the day you make it…
  • Real estate overseas can be part of a legacy of wealth that you leave to your heirs…
  • Real estate overseas is safe and private, one of but two remaining asset types that an American need not report to the IRS every year…
  • A real estate investment overseas can bring tax advantages, including deductions you can take on your U.S. tax return…

Fundamentally, this is all about diversification. This is the real advantage of this strategy—diversification of your portfolio and your assets, but diversification, too, of your life, your retirement, and your legacy.

We are living at a time that presents the opportunity to take the investor’s profit agenda, combine it with the live-better-for-less agenda of the retiree, and transfer it overseas. An opportunity to use overseas real estate as both an investment vehicle and a strategy for a new and better life, both immediately and longer term in retirement.

Overseas real estate amounts to the surest strategy for creating and preserving legacy wealth while simultaneously reinventing your life and rescuing your retirement.

Thanks to global market events of the past decade, many options exist right now for where to buy to make money and to generate good cash flow while also making a new life, and, thanks to our Age of the Internet, it is possible today to seize these opportunities easily and cost-effectively to build a new life while staying in real-time touch with family, friends, business concerns, and investment portfolios from the old one.

The best case is when you are able to find a piece of real estate in a place where you want to spend time, short term on vacation and long term in retirement, that also holds out the potential for an investment return, in the form of capital appreciation, rental return, or both. This perfect storm of objectives should be your ultimate goal. A holiday home on the beach of Nicaragua can become little more than a headache and a carrying cost if you ultimately decide you can’t abide life in the tropics.

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How do you get started? How do you determine where and what to buy first?

Your lifestyle agendas and objectives should play a role in determining how you invest. More practically important is budget. How much can you afford?

You can find agricultural investments packaged for the individual investor available for as little as US$30,000, and you could buy a small house or apartment that you could use part-time and rent out otherwise for US$50,000 to US$100,000 in a handful of proven rental markets, including Bearn, France; Cuenca, Ecuador; Medellín, Colombia; the Northeast coast of Brazil; Granada, Nicaragua; and Cayo, Belize.

Investing less than US$100,000 in a rental property, you wouldn’t be buying big or fancy, but small and modest is the way to start anyway. Big and fancy means heavy carrying costs.

Finding an answer to the question “How much can you afford?” comes down to two things. First, how much capital you have available to invest? If you don’t know this number already, take time right now to do the math.

Second, what kind of financing or purchase terms might be available to you?

Most property markets outside the United States are cash-only. You aren’t going to be able to organize local financing as a foreign (non-resident) buyer in much of the world.

However, you do have options for leveraging whatever capital you have to invest.

I’ll walk you through them tomorrow.

Sincerely,
Kathleen Peddicord signature
Kathleen Peddicord
Founding Publisher, Overseas Opportunity Letter

Tags: 'investment''real estate''retirement'abroadassetscurrencydiversifyoffshoreoverseaspropertyprotection
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Kathleen Peddicord

Kathleen Peddicord

Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

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Top Countries

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

Best For:

  • Health Care Abroad
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  • Cost Of Living
  • Investing in Real Estate
  • Establishing Residency
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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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Making Money

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Real Estate

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Discover tips and strategies used by global property investing veterans

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Store

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Lahardan Books

  • Titles on living and investing around the world

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