The Case for Latin America Doubling Down on U.S. Real Estate in 2025

Bad news sells.

It’s a media truth that’s hard to ignore—especially right now. Turn on the TV or scroll through your feed, and you’ll find no shortage of commentary on political dysfunction, rising interest rates, and looming recession fears fueled by global trade tensions. These headlines have created a widespread perception of declining investment in U.S. real estate from abroad. 

At Waltz, we’re seeing a different story unfold. Global investors, especially those in Latin America (LATAM), are still acquiring U.S. real estate. To support this growing demand, we’ve raised $25 million in a line of credit to fund up to $1 billion in loan volume and help more investors finance their U.S. properties.

Here’s why Latin Americans continue to assert confidence in U.S. real estate and why they remain undeterred by market fluctuations.

Currency stability

For many Latin American investors, U.S. real estate offers something their home countries often cannot: stability. In countries like Argentina, where inflation has previously spiraled, preserving wealth becomes a daily challenge. Currencies can rapidly lose value, affecting an individual’s purchasing power and long-term savings. 

In contrast, the U.S. dollar remains one of the most stable and trusted currencies in the world. Investing in U.S. real estate allows Latin Americans to invest their capital in a market backed by the strength of the U.S. dollar and the world’s largest economy.

Real estate can serve as a hedge against inflation, offering income through rent and appreciation over time. For Latin American investors, it’s a way to move capital out of volatile markets and into assets that not only preserve, but could build generational wealth.

Historic performance

Over the past 20 years, U.S. real estate has shown strong, consistent growth. In 2005, the average home price was around $140,000. By 2025, it has risen to about $504,000, more than tripling in value. If you zoom out even further, you’ll see steady real estate appreciation dating back to when the Federal Reserve began tracking it in the 1960s.

Needless to say, those still bullish on U.S. real estate understand the strong historic performance dating back decades. Latin American investors have been among the most resilient participants in this market. Even after the 2008 financial crisis, many saw opportunity when most saw fear. They entered the market when prices were low, confident in the fundamentals of U.S. real estate. 

Even faced with the negative headlines, Latin American investor behavior reflects a long-term lens with a focus on returns, not emotions. When they hear about higher interest rates, growing inventory, and less buyers–that’s music to the ears of these opportunistic investors. It means less competition and potential for negotiation and upside.

Markets with strong Latin ties

The second most commonly spoken language in the United States is Spanish. That fact alone reflects the deep and growing ties between Latin America and communities across the U.S. Inherently, this builds a level of trust and connection with certain markets.

It’s one thing to invest in a foreign country; it’s another to invest in a place where you know the language, understand the neighborhoods, and have trusted contacts on the ground. Many of these investors have friends or family living in U.S. cities with large Latin American populations. They’ve visited, built relationships, and gained insight that gives them confidence to act. 

Texas and Florida alone hold five of the ten hottest real estate markets for Q1 of 2025. Texas is next to Mexico, making it a natural extension for cross-border movement and investment. Florida, especially places like Miami, has long been considered a gateway to Latin America, with deep cultural ties and strong Spanish-speaking communities. At Waltz, our data supports this narrative.

What Waltz’s internal data is telling us about Latin American investors

Unsurprisingly, Waltz’s Latin American clients tend to invest in regions with the strongest cultural and community ties to their home countries. For example, Argentine investors represent 18% of all foreign transactions made between August 2023 and July 2024 in South Florida.In addition, Brazil, Colombia, and Mexico represent the three biggest groups from LATAM investing in U.S. real estate. Among these nationalities, here’s a breakdown of where they choose to invest:

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• Brazil: 85% of Brazilian investors concentrate their purchases in Florida, with Texas a distant second.

• Colombia: 60% of Colombian investors focus on Florida.

• Mexico: 83% of Mexican investors are highly concentrated in Texas, showing the most localized investment pattern among all nationalities.

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We make it easier for international investors to finance U.S. investment properties, with no need for U.S. credit history or income verification. Along the path to closing, our platform also keeps everything organized, helping investors stay on top of documents and avoid delays. And, in some cases, investors can close remotely thanks to our fully digital process. It's a faster, simpler way to invest in the U.S. from anywhere in the world.

Expect Latin Americans to continue buying U.S. real estate

Real estate markets naturally experience ups and downs, but Latin American investors have shown an appetite for U.S. real estate. Time and again, even during uncertain periods like today we’re seeing the same belief in America from LATAM. 

At Waltz, we’re seeing this momentum in real time. To better serve these investors, we’re expanding our team with Spanish and Portuguese speakers and developing educational content tailored to the Latin American community. 

The appeal is clear: U.S. real estate offers a reliable store of value, a history of steady growth, and deep connections to the Latin American community. These factors will continue to fuel investment from the region moving forward.

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