Access to real estate financing In Miami and South Florida It has undergone a major transformation, opening new opportunities for Peruvian investors Interested in diversifying its assets outside the country. The latest figures reveal that up to 70% of the property value It can be financed by American entities, without the need to reside in the United States, which represents a fundamental change in relation to the traditional perception of this market as being exclusive to the very wealthy.
Miami’s real estate market, historically associated with high-profile investments, has lower barriers to entry. Currently, it is possible to participate from 300 thousand US dollarsThis is a similar amount to the unified regions of Lima. This accessibility is enhanced by the willingness of US financial institutions to provide loans of up to 70% of the property value For foreigners, which facilitates the entry of new players into this sector.
Data from Miami’s Q3 2025 report, prepared by ISG Worldcontradicts the idea of a saturated market. For five straight months, new listings have declined and inventory has remained stable in key South Florida counties. Between January and September 2025, more than 19 thousand transactionsexceeding the same period of the previous year. Only in the third quarter was it closed 6,763 operations. Moreover, the report highlights this Eight out of ten purchases above US$2,000 per square foot (US$21,528 per square metre) They were made in cash, demonstrating market power backed by liquid capital.
In the financial sphere, conditions have also improved for buyers. Mortgage rates fell to 6.18% in SeptemberThis is its lowest level in nearly three years, stimulating domestic and international demand. At the same time, interest rates in the United States began a cycle of gradual reduction, enhancing the attractiveness of the real estate sector in the region. The average sales time for properties less than thirty years old has extended by From 120 days in 2024 to 240 days in 2025Which indicates normalization after the special session witnessed between 2021 and 2023.
Real estate development maintains a sustainable pace, with 30 thousand units under construction and 7600 in implementationFrom her 52% of them have already been sold. regions Brickell, Downtown, Edgewater, Miami Beach and Aventura Most activities, driven by demographic growth, focus on: Florida is adding an average of 1,350 new residents daily. The next realization of Football World Cup and G20 summit In 2026, pressure on housing demand and rentals is expected to increase.
Gustavo Galvez, CEO PFS Real Estate Groupa firm with more than two decades of experience advising international investors in Miami, stresses that the key is to analyze market fundamentals and not get carried away by perceptions. “For years, there was an idea that this market was exclusive,” Galvez said. “Today it is more accessible, financing is available, and decisions must be based on verifiable information, not impressions. Making decisions about assets requires rigor and a long-term view.”
In a regional context characterized by fluctuations, the combination… Legal stabilityContinued demand and strong fundamentals position South Florida as a real backstop for Peruvian investors seeking to protect and diversify their capital. The narrative may differ, but the data remains.