Invest in Panama City with data, not brochures

1

Thesis and budget

We define what you're after: monthly cash flow, appreciation at delivery of a pre-construction unit, or a foothold that pays for itself. From that comes a realistic budget and product type.

2

Area and product, backed by data

We cross your thesis with the real yields, prices, and absorption from our study: buying to rent in Obarrio (~7.35% gross) is not the same bet as appreciation in Santa María. We show you the numbers behind each option.

3

Property analysis

Before you offer: real comparables for the area and building, expected rent with honest vacancy, HOA fees, taxes, and the net that's actually left. If the numbers don't work, we say so and keep looking.

4

Execution and financing

We negotiate with data, structure the promise-to-purchase, and connect you with banks that lend to non-residents (30%–40% down, ~6.25% reference as of July 2026). The whole closing can be done remotely with an apostilled power of attorney.

5

Managed rental

Once you close, our property management places the tenant, collects, and transfers to you wherever you live, with a bilingual monthly report (8%–10% of rent). The full cycle with a single team.

Frequently asked questions about investing in Panama

What rental yield does an apartment in Panama City produce (2026)?

As of July 2026, gross rental yields average ~6.8% per year on asking prices nationally, with areas like Obarrio (~7.35%) and Bella Vista (~7.08%) above average and premium coastal areas like Costa del Este (~5.84%) below it, because purchase prices are higher. Net yield typically lands 1.5–2 points lower after HOA fees, taxes, and vacancy. Data from Vaca Group's Residential Market Study (Q3-2026).

How much capital do I need to start investing in Panama?

The median apartment in Panama City runs about $265,000 (median asking price, July 2026). A non-resident using financing typically needs a 30%–40% down payment plus 1.5%–3.5% in closing costs: in practice, from about $85,000–110,000 of your own capital for a mid-range apartment. In pre-construction, payment plans spread that down payment across the build.

Is pre-construction (new build) or resale the better buy?

It depends on your goal. New construction in Panama City is offered at ~$2,700–3,100/m² and resale at ~$2,000–2,400/m² (July 2026): resale buys the same used building cheaper and produces rent from day one; pre-construction gives you a payment plan, a brand-new product, and appreciation potential at delivery, in exchange for waiting out the build. For cash flow we usually look at resale; for gradual capital entry, pre-construction.

What taxes does a real estate investor pay in Panama?

The main ones: property tax (with an exemption on improvements up to $120,000 of value for a primary residence, progressive brackets after that), a 2% transfer tax when selling (paid by the seller), capital gains at 10% with a creditable 3%-of-price advance, and income tax on rent received depending on your tax situation. This is general information, not tax advice: each structure (individual, corporation, foundation) has different implications, and we refer you to specialists when needed.

Can I buy and invest as a foreigner, without residency?

Yes. Foreigners have the same titled-ownership rights as Panamanians, and you don't need residency to buy. Local banks lend to non-residents (July 2026 reference: ~6.25% interest with 30%–40% down), the economy runs on the US dollar — no currency risk — and the entire transaction can be executed remotely with an apostilled power of attorney.