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    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 About This Event
    Learn More About This Event
    PRE-REGISTER
    Learn More About This Event
    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

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Home Countries Montenegro

Why And Where To Buy Property Overseas

by Kathleen Peddicord
May 19, 2025
in Montenegro, Real Estate
0 0
Sintra, Portugal Blue and yellow facade of the houses

AdobeStock/Nina

If you haven’t already begun diversifying your investment portfolio beyond U.S. borders, consider this your alarm sounding.

Most investors would agree that this is no time to be 100% in the U.S. stock market. The question is where should you place your capital instead?

We say real estate overseas. We like hard assets, and, while U.S. property markets are near bubble territory, many others around the world are bona-fide bargains.

How can you choose where to buy, especially if you’re shopping for the first time?

Don’t chase promises of high yields in Bulgaria if you have no desire to be in Bulgaria.

That is to say, start by understanding why you’re in the market in the first place. Are you shopping for personal use or for straight-up profits? If all you care about are the returns, then a case could be made for Bulgaria even if you hope never to have to go there.

This is a hotly debated topic here at Live And Invest Overseas. Some like my husband, Lief Simon, maintain that if you’re buying to make money your personal opinion of the place is irrelevant.

Thing is, if you invest in Bulgaria, you should go at least once to see the place for yourself. If you buy a rental property, you should plan to return once a year to check on the property and meet with your rental manager. You don’t want to dread those trips.

That’s why I recommend focusing on destinations where you’d enjoy hanging out. Consider places we spotlight, including Portugal, Spain, Montenegro, Northern Cyprus, Greece, Panama, Colombia, Belize, and Mexico. These countries offer good investment opportunities right now and will continue to do so long-term.

These aren’t the only places you can find good real estate cash-flow investments overseas, but if one or more of the destinations top of our list appeals to you as a place to visit, then that’s a place to start.

If you vacation internationally, think back over places you’d like an excuse to return to, then look into current local real estate opportunities.

If you like to dive, beach and diving destinations in the Caribbean should be at the top of your shopping list. If you’re a fan of classic architecture and Old World history, look first in Europe. Sailors might look in locations with marinas. Surfers could prioritize countries in the Americas with a Pacific coast.

You get the idea.

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Make a list of at least three destinations before planning your first scouting trip. Give yourself options for where to go. You could find that the place you are most excited about doesn’t make sense once you hit the ground.

In each location you visit, schedule time both to view properties and to have fun. Always remind yourself that buying property overseas isn’t only about the money. This is as much about reinventing your lifestyle as it is about building a portfolio. Plan out your visit but leave yourself time to wander around. Walking is the best way to get a feel for a place. When you get to town, hit the streets to get the lay of the land for yourself before meeting with a real estate agent.

Allow time to meet with a real estate attorney and maybe a bank during each scouting trip.

You might find real estate agents resistant to scheduling viewings until you’re in the country. If they’ve worked with foreigners in the past, they’ve been burned by people changing their plans and not showing up without warning.

In some tourist markets, real estate agents who’ve wasted time with looky-loos killing time on vacation might ask you to pay a fee for them to show you around. Respect the real estate agent’s time.

Real estate attorneys on the other hand should be willing to schedule an appointment before you get on a plane as long as you have a solid date for when you’ll be in the country.

If you don’t have a lead for a good real estate attorney before you arrive, ask real estate agents you’re working with for suggestions. Also check the U.S. Embassy website for each country on your list. It should include a list of English-speaking attorneys by specialty. Interview at least two in each location.

Before you get on a plane, do as much research online as you can to get an idea of property prices in your target locations. We Americans are used to being able to search for comps on websites like Zillow. No such services exist in most markets outside North America, because almost nowhere else in the world operates with a multiple listing service.

To get an idea what’s available in a market, you have to speak with several real estate agents and see a range of properties. Agents don’t cooperate with each other in many markets, so it’s not disloyal for you, the buyer, to work with several different ones. It’s the only way to get a proper overview of what’s available for sale.

While the Internet is a good place to start looking, any foreign property listings you find searching online in English are going to be priced at a premium. To break through the gringo-pricing barrier, research online in the local language. Online translators make it easy.

Another important connection to make during your initial scouting trips is with a rental management company. The rental manager is key to success with a cash-flow investment anywhere. Some real estate agencies offer rental management services. Depending on the market, this can be the best option. Before committing, though, research the availability of independent management.

Finally, when scouting a new market and even when returning to a market where you have experience, try to speak with other foreign property owners and investors. I’m not talking about the geezer in the corner of the local bar who knows everyone and thinks he knows everything. He’s usually a time sucker talking to hear himself talk.

Make an effort to connect with serious people with firsthand experience in the market. Your real estate agent and attorney should have clients they could introduce you to, and social media makes it easy to connect with like-minded people anywhere on the planet.

Until next time,

Kathleen Peddicord signature

Kathleen Peddicord
Fouding Publisher, Overseas Opportunity Alert

Tags: 'Foreign Property Investment'advice from an expertBuy Real EstateDiversify investmentsDiversify OffshoreInternational Property Summit
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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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Best For:

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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

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