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Costa Rica Real EstateExpats & International Buyers

Find Your Place in Paradise

Helping you confidently buy your home in Costa Rica with local expertise, honest advice, and personalized representation every step of the way.

Helping buyers from Canada, the USA & around the world find their place in Costa Rica.

Juan Pablo Lacayo, real estate agent in Playas del Coco, Costa Rica

Paradise has paperwork.
You enjoy the sunsets.
I'll handle everything else.

Juan Pablo Lacayo with coffee overlooking the beach in Guanacaste, Costa Rica
Meet Juan Pablo

Costa Rica isn't just where I work.
It's where I chose to call home.

My story began in Guatemala and later took me to Ontario, Canada, where I built a career in real estate photography and videography. That experience taught me to see property differently, not just how a home looks, but how it feels and how it fits into someone's life.

After discovering Playas del Coco, my husband and I fell in love with Guanacaste and eventually made Costa Rica home. Today, I use both my real estate experience and my own experience relocating internationally to help buyers make that transition with clarity and confidence.

I specialize in Playas del Coco and the surrounding Guanacaste communities, working closely with international buyers who want honest advice, local knowledge, and someone they can rely on throughout the process.

It's about helping you find the place in Costa Rica that feels like home.

Local Market Knowledge

I live here, I know the right communities, and I track the properties.

Honest Guidance

Clear advice and answers so you can feel confident every step of the way.

Professional Photography

Helping your home stand out with professional photos and videos.

Personalized Representation

From your first question to closing day, you'll work directly with me.

Proud to work alongside

Available Now
Featured Listings

Browse the full, up-to-date inventory of properties for sale on our brokerage site.

Access Every Available Property
in One Place

As a real estate advisor with Expat Properties | CR, I give my clients access to our brokerage's complete, real-time inventory of homes, condos, land, and investment properties throughout Guanacaste.

Official Brokerage Listings

All properties are listed with Expat Properties | CR.

Updated in Real Time

Accurate, up-to-date property availability you can trust.

Personal Guidance

I'll personally guide you from your first search through closing.

Browse All Available Properties →

You'll be redirected to the official Expat Properties | CR website, where every inquiry comes directly back to me.

Luxury Costa Rica villa with an infinity pool overlooking the ocean at sunset

Your trusted advisor.

Our brokerage. Your future in Costa Rica.

In Partnership With
Official Expat Properties | CR Website
Secure Property Search
No Registration Required
Buying From Abroad?

Finance Your Costa Rica Home with Confidence

You don't have to pay cash. I've partnered with Second Street so qualified U.S. and Canadian buyers can finance their Costa Rica purchase with a simple, familiar process.

Trusted Mortgage Partner

A trusted international mortgage lender, built for U.S. and Canadian buyers financing property in Costa Rica.

30-Year Fixed Mortgages
Financing in USD
No Prepayment Penalties

Interested? Tell me a bit about yourself and I'll personally connect you with Second Street.

I Make It Easy.

A Simple Process

From finding your property to closing day, I'm here to guide you through it all.

1

Find Your Property

We'll find the perfect home that fits your lifestyle and goals.

2

I'll Introduce You

I'll personally connect you with Second Street.

3

Get Pre-Qualified

Quick and easy pre-qualification so you know your options.

4

Purchase with Confidence

Move forward with clarity, confidence, and my support.

Common Questions
Buying in Costa Rica: FAQ

The questions I hear most from buyers before we even get on a call. General information, not legal or financial advice. Always confirm specifics with a Costa Rican attorney. Information last reviewed: August 2026.

Can foreigners buy property in Costa Rica?

Yes. Costa Rica is one of the more foreigner-friendly countries in Latin America for property rights. Non-residents have the same legal right to own real estate as citizens. No local partner is required, there's no minimum residency period, and no restriction on property type, with one exception: land inside the Maritime Zone (see below).

What is the Maritime Zone, and does it affect properties here?

If a property sits within 200 meters of the mean high tide line on the Pacific coast, special rules apply. The first 50 meters is public land that nobody owns. The next 150 meters is a "restricted zone" governed by a concession rather than standard title, and foreigners without at least 5 years of legal residency can't hold more than 49% of that concession. Not every coastal-adjacent property in Guanacaste falls under this rule; plenty is titled land outside the zone. Always confirm in writing which one you're looking at before you get attached to a property.

What are the total closing costs when buying?

Budget roughly 3%–4% of the property value, made up of the property transfer tax (1.5% of the sale price or registered value, whichever is higher), documentary stamps (~0.5%), and notary/attorney fees (1%–1.5%). The transfer tax is usually the buyer's responsibility, though it can be negotiated. Your closing attorney (who also acts as the notary in Costa Rica, since the two roles are combined) typically withholds and remits it for you.

Can I get a mortgage as a foreign buyer, or is it cash-only?

Financing is genuinely available; that "cash-only" idea is outdated. I work alongside Second Street, a U.S.-based lender offering U.S.-style 30-year fixed-rate mortgages in USD for U.S. and Canadian buyers, working off your existing U.S. credit and income. See the Financing section above for details.

Do I need a lawyer, and what exactly do they do?

Yes, and in Costa Rica, your attorney also acts as the notary public who legally executes the transfer, so the two roles are combined into one person. They verify clear title at the national registry, check for liens or encumbrances, confirm surveyed boundaries, and handle the actual closing and registration. This isn't optional; it's how every legitimate purchase gets done.

Do I need residency or a visa to buy a home here?

No, you can buy as a tourist, with no residency status at all. Residency is a separate decision for people who want to live here long-term. If that's you, the three main paths are Pensionado (a verified lifetime pension of at least $1,000/month), Rentista (proof of at least $2,500/month in passive income for two years), and Inversionista (a minimum $150,000 investment in Costa Rican real estate or a qualifying business). All three lead to permanent residency after three years and citizenship after seven.

Is there an annual property tax, separate from closing costs?

Yes. Every property owner, foreign or local, pays an annual municipal property tax of 0.25% of the registered (cadastral) value, one of the lowest rates in the region. It's typically billed quarterly by the local municipality, and the registered value is usually lower than what you actually paid.

What's the annual luxury home tax I keep hearing about?

Separate from the regular property tax above, Costa Rica charges an annual "impuesto solidario" on homes whose construction value (not the land) exceeds a threshold recalculated every January. For 2026, that threshold is about ₡143 million, roughly $315,000 USD. Above that line, rates start around 0.25% and rise in tiers as the value climbs. It only applies to the building itself, and it's declared and paid every January 15.

How long does buying a property actually take?

Most purchases take 4–8 weeks start to finish: an Option to Purchase and Sale Agreement, a deposit (usually 10%) into a neutral escrow account, a 15–30 day due diligence period where your attorney verifies clear title and boundaries, and then closing about 1–2 weeks after due diligence clears.

Should I buy in my own name or through a corporation (S.A.)?

Both are common. Buying in your own name is simple and direct, fine for a single home. Buying through a Costa Rican corporation (Sociedad Anónima) is more common for higher-value properties: it separates the property from your personal assets and can make a future sale easier, since you transfer company shares rather than the property itself. Forming an S.A. typically costs $500–$1,500 plus a modest annual corporate tax. It doesn't reduce closing costs; those apply either way.

Can I rent my property out short-term, like on Airbnb?

Short-term rental is common and well-supported along this coast, a big part of why many buyers here treat their home as a hybrid residence and investment. If you want it fully hands-off, property management (bookings, cleaning, maintenance, guest support) is handled by the team at Expat Properties | CR, who currently manage around 40 vacation rentals across Coco and Ocotal.

I can't be in Costa Rica for the closing. Can I still buy?

Yes. Foreign buyers regularly complete purchases remotely through a Power of Attorney granted to their Costa Rican attorney, notarized and authenticated in your home country and legalized through Costa Rican consular services. Your attorney can then sign the transfer deed, complete the registry filing, and handle closing on your behalf, with no physical presence required.

I already own here. How do I list my property for sale?

I represent sellers as well as buyers throughout Playas del Coco, Ocotal, Playa Hermosa, Playa Panamá, and the surrounding Guanacaste beach towns. That includes pricing based on recent comparable sales, professional and drone photography (my own background), listing distribution, and negotiating through closing. Reach out through the contact section below and I can walk you through what your property could list for.

Side Craft

Real Estate
Photography

Professional photography that helps exceptional properties get the attention they deserve.

  • Interior, exterior, drone, and twilight photography
  • Crisp, natural editing that showcases each property
  • Fast turnaround and personalized service
Twilight photo of a pool and villa exterior
Aerial daytime view of the bay in Playas del Coco, Guanacaste
Modern kitchen interior with custom wood cabinetry
Bedroom interior with designer wallpaper accent wall

Photography Services

High-quality visuals that help your listing stand out and sell faster.

View Photography Services →

Reach out for pricing and custom packages.

How I Can Help
Services

From finding the perfect property to settling into your new life in Costa Rica, I provide end-to-end support and trusted local connections.

01 / 05

Local Expertise

In-depth knowledge of the Guanacaste Coast market.

Trusted Network

Strong connections with professionals you can rely on.

Personalized Service

Tailored solutions to meet your unique goals.

Clear Communication

Regular updates, no guessing games.

No matter where you are in your Costa Rica journey, I'm here to help you make informed decisions with confidence.

Where I Work
Areas I Serve

Based in Playas del Coco, I specialize in Costa Rica's Guanacaste coast, helping buyers find the community that fits the way they want to live.

Not Sure Where to Start?

Find the Right Fit in Guanacaste

Whether you're starting with your budget or deciding between two communities, I can help you narrow it down.

Both tools take less than 60 seconds. Prefer to talk directly? Let's Talk
From The Blog
Guides & Local Insights

Notes on buying, selling, and living in Guanacaste, Costa Rica.

Trusted By Buyers From Canada, the U.S. & Around the World
Real Stories From Real Clients

Every home has a story. Here are a few from the families I've had the privilege to help in Costa Rica.

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Guiding You From
Start to Finish
Transparent
Buying Process
English & Spanish
French Support Available
Free Guide
Thinking About Buying? Start Here.

Not ready to talk yet? No pressure. Grab the free guide written for your home country — foreign ownership rules, real closing costs, financing, and the step-by-step timeline for buying in Guanacaste.

Cover of The American's Guide to Buying Property in Costa Rica
For American Buyers

The American's Guide to Buying in Costa Rica

U.S. tax angles, financing, and the full step-by-step process — written for buyers coming from the States. Free, no obligation. Instant download.

Cover of The Canadian's Guide to Buying Property in Costa Rica
For Canadian Buyers

The Canadian's Guide to Buying in Costa Rica

Exchange-rate strategy, financing, and the full step-by-step process — written for buyers coming from Canada. Free, no obligation. Instant download.

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Let's Start Your Next Chapter in Paradise

I'm here to help you find your perfect place in Costa Rica.

New Listing
Los Almendros 15 is on the market

A 3-bedroom ocean-view home in Playa Ocotal, offered at $499,000.

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New Listing
Tucanes #5 is on the market

A 2-bedroom condo in Playas del Coco, offered at $209,000.

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