Why invest in Costa Rica real estate?” Based on my personal experience from owning several pieces of Guanacaste real estate over the years, I could talk for hours and give you dozens of reasons for how great living in Costa Rica can be. To make it a bit easier though we have put together a video filled with others that have made the leap and made the move to paradise.
A Day in The Life of a Costa Rica Expat
Who Invests in Costa Rica
Me, that’s who and you can to if you are looking for a better lifestyle, want to diversify your assets with greater return, live in the tropics and have a better overall life. Just don’t take it from me there are a lot of North Americans, Europeans and even some folks from South America that have seen the value, beauty and the benefits of investing and owning property in Costa Rica.
Many people from friends to family and even some clients have asked me “Why did you invest in Costa Rica?” I always reply with the same answer; “tell me where you can you find a better place, as beautiful, with great weather and locals that don’t call you names and treat you like a rodent, and don’t forget the taxes are much lower than where you live now. Let’s not forget the opportunity for return on investment. Over the years I have seen many investors more than double their money just on real estate alone. Of course it all comes down to buying right!
Here are a few of the reasons I invested in Costa Rica and you should consider to:
- The most important Item! Costa Rica welcomes foreign investors with open arms. You have the same property rights as a Costa Rica citizen
- If you put all your money in a bank the returns are lousy. I can get 7% return on my money, in a certificate of deposit, if in the local currency of colons. What is your bank paying you 2% if you are lucky?
- The stock market is way too risky! It is a gamble, yes it has been preforming better in the last couple of years, but are you ready for another major drop? Take a look at your IRA and 401K’s or your RSP account over the past 5 years. Yes it has come back, but there is always the chance it will tank again as it has many times in the past and will do so in the future.
- The US real estate market is starting to comeback in certain markets but most are still depressed. Sure you can get a bank foreclosure but how long will it really take before the market is back to pre-boom. In certain Canadian Markets there are Bidding wars for the same property
- How much do you pay in property tax? Taxes are going up and up and up and will continue to do so and you hardly ever see them come down. Here your Property tax is only 2.5% of the registered value. So for a $100,000 dollar condo your yearly property tax is only $250. Now that’s Low!! YOU as the owner are required to assess your own property every five years, it’s the Law, of course you can never go down but you get to control the increase, not some low level government employee. But if you don’t re-evaluate, guess what, that guy will be knocking on your door and he won’t be friendly.
- Costa Rica is a very safe place to live PERIOD. When was the last time you heard about a news story from Costa Rica about some nut case walking into a school and killing 20 kids and teachers or a another wacko going into a movie theater with guns a blazing? NEVER
- Costa Rica has a stable democratic government and the second longest democracy in all of Central America and the Caribbean.
I can keep writing about all the advantages of investing in Costa Rica, but the reality is you may already be tired reading this to find the answer to your questions, so feel free to send me a note as you may have some very direct questions and I will be more than happy to answer them for you.
I Have Heard Bad Stories About Realtors in Costa Rica
I have to be 100% honest with you, here in Costa Rica there is no government licensing of Realtors. That means that just about anybody can try to sell real estate. From the cabbie that picks you from the airport to the tour operator you use to visit some of the great wonders of Costa Rica.
Here in lies the problem with this. Some people have listened to these unprofessional people and have horror stories to tell. Do you really think the bar tender is looking out for your best interest? Or for that matter even a quote un-quote “Realtor”. Let me ask you a question? In your home town would you listen to the clerk at the local grocery store if he said he can help you with getting a really good deal on a property that is near buy? I don’t think so, the same thing goes for here in Costa Rica.
During the real estate boom in the early 2000’s there were many people that came to Costa Rica to make a fast buck off the boom. These were most likely the ones that he horror stories are about. All they cared about was making a buck and did not care what happened to the buyer or the seller. Now after the great recession many, if not all, of these so called realtors are gone and have moved back to where ever they came from because they were not committed to a profession and when the Fruit is Not hanging low it take determination to succeed.
My recommendation is that if you are really interested in purchasing property in Costa Rica you should work with an agent that has been in business for a long time and is associated with a major brand name real estate company or has a reputation that can be verified. Also I would check or ask this person to verify that they are associated with the only two government recognized realtor associations. The first one being CRGAR, the Costa Rica Global Association of Realtors and the second one being CCCBR, Cámara Costarricense de Corredores de Bienes Raices or in English the Costa Rican Chamber of Real Estate.
Both of these associations require that their members take and pass courses to gain the proper knowledge to represent buyers and sellers in Costa Rica real estate before they can become a member. Furthermore these agents are also required to be a member of NAR, the national Association of Realtors in the US. The agents that do pass the courses and become active members are also required to take additional continuing educational course as well that are offered by the association.
Here are some key points you want to know before choosing a realtor in Costa Rica
- Are they associated with a worldwide brand that is recognized?
- Are they a member of the either the two real estate associations?
- How long have they been doing real estate?
- Are they legal to work in Costa Rica if not a Costa Rican?
- Does the realtor have their residency or in the process of obtaining it?
- Does the realtor own property in Costa Rica?
- Can the realtor supply references from both buyers and seller?
- One of the most important things is does the realtor work with reputable lawyers and subcontractors to refer you to?
I cannot stress enough work with a professional and you will have a good experience and will be happy with your purchase of your own piece of Paradise!
I am also proud to write that I am a member of Both Association as well as a past Board member of the Costa Rica Global Association of Realtors
Should I Rent First?
Many web sites make the point that you should rent in Costa Rica for a while, to make sure you like it before you buy. I cannot argue this point, because Costa Rica is not for everyone but of course you know what opinions are like, ever body has one and this are mostly written by people that want to rent their property or from their property management company. Personally, I look at it this, why spend money that could be going toward ownership and equity in real state as it is an investment, renting is not and you have nothing to show for it.
Let me give you a few Pros and Con to renting first before you decide to Purchase if that is your desire.
Pros of Renting in Costa Rica:
- You are not paying the property taxes, which by the way are very low here.
- You are not paying the Home Owners Association fees if any.
- You are not paying, in most cases any repair and maintenance costs.
Now the Cons of renting:
- You Own Nothing! Except if you brought your own furnishings and of course personal items.
- You are at the whim of the landlord, if they decide that they won’t fix something like the A/C, then what. Or if it takes them a couple of weeks to get it fixed you are the one that suffers. What are you going to do? Start Looking for another place and who wants that hassle again!
- You can’t change the way the place is to suit your needs, wants and desires as you don’t own it. You can only move furniture around.
- If you really like Costa Rica and you then decide to purchase than you just wasted 6 months to a years’ worth money that could have been used towards a purchase.
- Most homes that are for rent, the sellers also want to use the property as well and most of the time it is during the High season, so you may only get a rental for 6 months during the Low season when it rains, then What? You have to start again.
- If you are thinking to rent because you want to see if Costa Rica is for you, and after a year you decide it is and start looking at properties, most that you may have consider to purchased have already been bought.
- If you have decided that Yes Costa Rica is for you and are not ready to make the move full time, you may have just wasted Six month or more of potential rental income that would be in your pocket.
- One Last thing, and this is a reality of life anywhere in the world; We all have to pass on sometime, if you rent what did you leave you loved ones?
I could go on and on why renting long term first to see if you like is a waste of money. My recommendation is that if you are not sure if Costa Rica is for you, rent a place for a month, if in one month you cannot figure it out that Costa Rica is not for you, how is six months or a year going to make a difference? All you did was just have an extended vacation. This may be good for you but personally it would not work for me. I am believer in real estate as a solid investment no matter where in the world it is. I have rented two time in my life and both were a horror story and after the second time is when I decided I wanted to control my surroundings not some crack pot landlord.
If you do have a desire to rent before making the big deal, here are a few links to recommended property management and rental companies I recommend.
Milagro Management and Rentals http://www.milagrorentalscostarica.com/
Zindis Group http://www.zindis.com/
Most likely the web sites and people that are saying you should rent before you buy, are probably saying that because they just can’t afford to purchase. Those that can afford to purchase a property do purchase and don’t rent. Successful people got wealthy by purchasing when the market is down and then selling when the market is high. Don’t wait a couple years to come down here and purchase you may have missed the boat by then.
Who Really Moves to Costa Rica?
Well like I have written before, me, that’s who and I never regretted making the move to Costa Rica. And to be 100% honest with you this is not a sales ploy. So if you want a calmer life style, a politically secure country, beautiful scenery, great beaches and mountains and want to live with like mimed warm and friendly people, than Costa Rica should be on your radar.
Friends and family still ask me “Why do you want to live in Costa Rica?” and I basically answer them the same way, “have you been to Costa Rica and Guanacaste?” If you have, which I know you haven’t, did you like what you saw? If not what are you waiting for, the bucket List! That’s when you’re dying!!! Tell me about someplace else that has what Costa Rica has to offer.
The weather is spectacular 98% of the year. The people are warm, wonderful and very friendly. The cost of living is less than most of USA and Canada and certainly Europe. Yes it is true that prices have increased here in Costa Rica but they have everywhere in the world. If for some reason you need to go back to where you came from, I am sure Costa Rica is not that far away.
Now if you’re going to make the move and live in Costa Rica or are thinking of just having a vacation home and a place to diversify your assets, there is only ONE place in Costa Rica to do it. Guanacaste and the Papagayo Bay consisting of the towns of Playa Coco, Playa Hermosa, Playa Panama, Playa Ocotal and as far south as Matapalo, which is only 15 minutes away from all the activities on paved roads.
So here is the list of people that have made the move:
1. Retirees, those that were ready to retire in 2007 to 2009 could not afford to retire in the US as they watched most of their net worth go down with the stock market.
2. Adventure seekers, let’s face it, moving to any foreign country where the language, culture and customs are different makes it an adventure all its own
3. Future Retirees, these are folks that saw the opportunity early and made the move and are happy they did.
4. Middle aged professionals, those that were tired of the grind and of paying exorbitant taxes and were just struggling to get buy.
5. Nature Lovers, there is nothing more to say about this as Costa Rica has 5% of all the worlds bio diversity in this tiny country.
6. Young Families, that wanted a more peaceful and friendly life style for their children to grow up in and be culturally diverse.
7. Investors, those that saw the future and the potential of this small central American country and wanted to be a part of it.
8. Final and Last those that really want the “Pure Life”
Personally I do not want live in the Caribbean, too many hurricanes and I could lose everything in one storm! I know I could not afford Hawaii as prices there are easily five to eight times higher than Costa Rica and more. Mexico and the other Central American countries like Honduras and Guatemala are way too dangerous with drug wars and unstable governments. A really big reason for me and many people “who wants to stay in the cold weather of the north”! At least here the weather is always temperate and steady year round and it is not as congested as say Phoenix of south Florida and other retirement locations
With the taxes as high as they were, and about to get higher and higher, I said forget it and made the move to Playa Hermosa almost 7 years ago and do not regret it one bit. I could no longer afford to retire in the US and no offence to anyone but why would I retire to Canada? It is too cold! Let’s not forget to mention the cost of living, insurance rates, medical costs and crime. Just recently I was talking with my wire and she asked me so is it really less expensive to live here? I laid out all the monthly costs we incur and it basically came down to a resounding YES. Since we own our home outright and are debt free it cost us about $2,000 per month to live a very nice life style and enjoy the things we do.
So if you are looking for a change of life and a better way to enjoy life I recommend the Papagayo region of Costa Rica and all the benefits, beauty and joy it offers.
Come join me won’t you? I am sure you will not be sorry!!!
If I do decide to Purchase, What will the Closing Costs be?
This is actually a very easy question to answer as the laws of Costa Rica dictate what the closing costs are. When Consider purchasing a property the closing costs will be a percentage of the either 1) the agreed upon sale price or 2) the legal registered value of the property in the Public registry system, whichever one is the higher number. Of Course the Government wants their cut so it will be the higher number.
The total closing costs should be no higher than 4% and can be as low as 3.85% and this is the number that you should be looking at when budgeting.
Let give the detailed breakdown of the fees:
1) Notary Fees: This is the fee that you will be charged by the Attorney /Notary that represents you in the transaction. As a side note not all Costa Rica Attorneys are notaries, to become a Notary a person has to be a licensed attorney first. The Fee will be 1.25% of the A) the agreed upon sale price or B) the legal registered value of the property in the Public registry system, whichever one is the higher number, but most attorney will base it on the sale price. This fee is for the attorney to do all the due diligence on the property to make sure you are purchasing a free and clear title with no liens encumbrance or annotations.
The Notary will also ensure that once the sale is completed the new deed will be registered properly under your name or corporation.
2) Real Estate Transfer Tax : This tax is paid directly to the Costa Rica Government and is 1.6% of the registered value or the agreed upon sale price, whichever one is higher.
3) Documentary Stamps: This “tax” is basically what it is, will be 1% of the registered value or the agreed upon sale price, whichever one is higher.
As an example: You found the condo of your dreams and the sale price is $95,000.00 but the registered value is $100,000.00 the closing costs would be $3,850.
Now you are saying “but above you wrote it could be as High as 4%, where is the difference”? The difference is based actually on the value of the property. The higher the value of the property the higher the closing costs will be. But the threshold is very high as most people are looking just for a nice house or a condo and that will certainly be priced well below a couple of million dollars.
So when you are looking at your budget and what you can spend for your piece of paradise, just use the 3.83% and you will be safe.
The Ins and Outs of “HOA” fees (Home Owners Associations)
Let me explain why some associations are high and others lower with their monthly fees.
Higher priced associations most of the times have following attributes:
- More amenities to offer like community pools, tennis courts, common areas for nature enjoyment.
- 24/7 security guards, landscapers for common areas, employees or service companies to maintain the common amenities
- A paid administrator to handle the paying of bills, supervising the employees or service companies.
- Paid Legal representation to endure the laws are being properly followed
- A Certified Public Accountant and/or financial bookkeeping representation
As a fact, in Cost Rica there are 2 types of association one is basically a home owners association or private club and the other is called a condominium. This second one does not solely refer to a tall building with lots of units in it; I live in a Condominium Horizontal which consists of 50 individual fully tilted home lots in a gated community that measures over 62 acres in size.
If a development was originally set up under the law of condominium it has to follow the rules of the law of condominium of Costa Rica. Some of those requirements are that every year there needs to be an annual meeting and a legal representative must be present, basically an attorney or notary, and all that is discussed and passed needs to be registered in the public registry system of Costa Rica. So there is a fee involved with this.
In addition every year a legally registered condominium has to file a tax return with the government, showing the amount of money that came in from dues and all the expenses, as it is a non-profit origination. Hence one of the reason it is more expensive because a legally registered Condominium association should to have an attorney on staff and a certified public accountant. Another reason is that many of the owners may be part timers and not living here day to day, so these associations hire an outside company to manage the day to day operations of the associations. This actually is a good thing as it takes the liability off of the owners, and most do not want to get involved or deal with the daily aspects of the development. So the administrator will handle all these items, as in managing the security company or the landscapers and soon on.
In talking about the security companies, a well-run and smart association will hire a security company and will ensure that the company they hire is legally licensed and that the company is properly paying its employees to the letter of the law, so that it does not fall back on the owners in the development. Again hence why it can be more expensive as a properly set up security company will be much more monthly than a company that is not following the laws of the land. It all comes down to you get what you pay for.
One very good aspect of the registered condominium association is that the by laws and rules and regulations are enforceable by CR law. As another example, say one owner is not paying his due, after a short period of time, the admin. can send legal notices that they are behind, if the owner does not pay up then the association can legally, and that’s the key, file a lien on the owner and if not paid up within a certain period, then the association can start a foreclosure proceedings against that owner to collect what is due to the association. This also helps protect the integrity of the development as well as the values of your investment.
The list of things are quite long as I could write a book about it here but won’t. But if you do require more information please email me at firstname.lastname@example.org and I will be happy to take the time and explain it to you.
Lower priced associations have following attributes:
- Very little to no amenities to offer maybe just a community pool if that.
- Security may only be at night time if there is even any at all
- One of the owners in the development, acts as the administrator or the developer is still controlling the association
- Common area maintenance is lacking if any.
- Rules and regulation may not be enforceable.
- No Legal Representative held on retainer.
- No CPA or Bookkeeper held on retainer.
In a regular not enforceable association, or called a home owners association or a private club, the fees tend to be much less, there are no teeth to make a person pay their share. Most of them are run by someone that is an owner in the development, that may live here full time and do not have a paid administrator on staff. These developments tend to have less amenities and regulations, and rules. As an example the guy next to you could if he wants to keep chickens on his property, even though the rules of the development say no farm animals it cannot be legally held up or enforced unless the rules and regulations were officially registered with the government
To Be Prepared, You Need To Know What It Is Going To Cost
At the beginning you may not exactly know what type of property you want to purchase in Costa Rica. I have had clients that I communicated with for a couple of years and all they wanted was a Home, would not even consider the idea of a condo, then when they finally came to see for themselves it all changed. So Below I will give you averages of many different types of properties with different levels of service that are offered, of course a lot depends on you and what you require and what you are looking to own but the basics are below. The carrying costs in Costa Rica are substantially less than most other tropical locations as in the Caribbean or Costal Areas in the US and Canada and can be as much as 30% lower.
Land and Home Sites: If your dream is to build a private home for the future or thinking of an investment for the future, or as some investors are doing by building a spec home for sale, here are basic costs based on a $100,000 dollar purchase of a home lot or parcel of land:
HOA Fees: Depending on the development and the amenities they have to offer the fees can range from $1,200 to $4,000 per year. The fees usually always include 24/7 security, maintenance and landscaping of common areas, maintenance to pools and common roads and the staff to administer the services.
Property Taxes: On a $100, 000 valued lot or land parcel, the annual tax will be $250 per year. The tax rate is .25%. To calculate multiply the assessed value by .25%($100,000 by .0025)
Maintenance: Depending on the size of the lot you can expect to pay $100 – 200 per year to cut and keep the lot clean.
Condominiums: If you like many buyers that prefer to have a property to utilize right away and rent out when you are not using it, a condo may be the way to go. Here is an example of carrying cost for a $300,000 condo.
HOA Fees: Again depending on the development and the amenities they have to offer the monthly fees can range from $250 – $500 per month. The fees usually always include 24/7 security, maintenance and landscaping of common areas, maintenance to pools and common roads and the staff to administer the services. Of course Condos in a lower price range and a lower end development the fees could be as low as $100.00 per month
Property Taxes: On a $300,000 assessed valued condo the annual property tax will be $750 per year, as stated before the tax rate is .25%. To calculate multiply the assessed value by .25% ($300,000 by .0025)
Electric Costs: Average monthly electric bill will be $100, of course if there is more usage the fee will be higher.
Water: Average monthly cost for water is $30.00
Cable TV and Internet: Combined together as a package deal will run $70 per month.
Maintenance: Basic maintenance for the interior of a condo will be somewhere between $500 and a $1000 per year but in most cases it is actually less. I always feel it is far better to estimate higher and be pleasantly surprised then the other way around and be disappointed.
Insurance: Most Condos have general insurance for the building built into the HOA fees, so if you want to insure the contents of your unit in case a water pipe breaks this will cost about $500 per year for normal coverage all depending on the value of the contents insured
Property Management: If you are not living in the property fulltime, you will require a property manager to look after your property and pay your bills. If you have a Costa Rica bank account and can read enough Spanish to get buy you can pay your own bills from the local banks web pages. The average fee for property management companies is between $125 and $150 per month depending on the size and type of property and the amount of work and detail you require. Maid service in Costa Rica is very inexpensive, between $20 and $40 per day depending on the size of the home.
Larger Luxury House: This can mean different things to different people but for this example I am going to use home valued at $500,000 dollars. For some this is far from Luxury and to other it could be considered a Mansion!
HOA Fees: And again, depending on the development and the amenities they have to offer the monthly fees can range from $1,200 to $4,000 per year. The fees usually always include 24/7 security, maintenance and landscaping of common areas, maintenance to pools and common roads and the staff to administer the services.
Property Taxes: As others listed above the tax rate is the same so on a $500,000 assessed valued Luxury Home the annual property tax will be $1,250 per year, again the tax rate is .25%. To calculate multiply the assessed value by .25% ($500,000 by .0025)
Luxury Tax: Here in Costa Rica there is a “Luxury Tax” on all residences. The real name of the tax is “Impuesto de Solidaridad”. It was instituted to help clean up the slums of San Jose so people do live is squalor. If the property has a constructed value, based on criteria from the tax administration, of over $230,000 dollars, then the luxury tax is applicable if below that point no tax is required. It all has to do with the products and items used to build the house. So for the average home of $500,000 the luxury tax will be about $1,000 per year average.
Electric Costs: Average monthly electric bill will be $300.00, of course if there is more usage the fee will be higher.
Water: Average monthly cost for water is $75.00 as a home of this size will have more bedrooms and more usage as well as having a pool to top off one or twice a month.
Cable TV and Internet: Combined together as a package deal will run $70 per month. Same as mentioned above.
Pool Service: Depending on the size of your pool and how often you like it to be cleaned you can expect the monthly fee for pool service to be between $50 and a $100 per month and this usually includes the chemicals as well. Each Pool service company is slightly different.
Landscaping: Here as well depends on the size of your property and how much attention is needed to maintain a beautiful lawn and gardens. Average prices for landscaping are between $50 and a $100 per month.
Insurance: Depending on the type of coverage you choose, home owners insurance will be between $500- 1,000 per year for normal coverage. There is also option to purchase theft insurance for you property, personally I feel it is not worth the cost as you have to notify the insurance carries every time the property is left vacant, that means even if you decide to go out for dinner while you are here enjoying your home in the tropics, you need to notify them.
Maintenance: Just like your main home, you will have maintenance costs. This is a reality of any property you own no matter here in Costa Rica or where you are from. Here you can expect to spend between $1,000 to 2,000 per year. Of course it can be lower if pre maintenance is done. As an example just before the rainy season starts you should have you gutters cleaned out of any debris that may be in them, otherwise you could see damage to your property.
Property Management: As stated above, if you are not living in the property fulltime, you will require a property manager to look after your property and pay your bills. If you have a Costa Rica bank account and can read enough Spanish to get buy you can pay your own bills from the local banks web pages. The average fee for property management companies is between $125 and $150 per month depending on the size and type of property and the amount of work and detail you require. Maid service in Costa Rica as I mentioned above, is very inexpensive, between $20 and $40 per day depending on the size of the home.
This bit of information I feel is important as well and pertains to all types of properties here in Costa Rica. If the property you own no matter what type, lot, condo, luxury home and even a car is held in a Costa Rican corporation, there are two additional fees to all of these properties. The corporate tax is $194.00 per year for a non-active corporation; this is classified as a corporation not doing business and not making income. If you happen to have an Active corporation, one making money and doing some kind of business activity, then the annual corporate tax is $365.00 per year. In addition there is also a Resident Agent fee that a local attorney will charge you to be the representative to receive any legal notices sent by any government agency concerning your Costa Rica Corporation. This fee is usually around $350.00 per year and varies from legal firm to legal firm.
Of course you can own any fee simple property in your own name as well and would not have the need to pay Corporate Tax.
The Real etsate Market is Coming Back where I live, How about Costa Rica?
There is a resounding answer to this questions but it is not as easy as say just a plan YES.
Yes the local market has seen a good upswing in the last year overall. The group I am associated with has closed more sales this year than the last two combined and has sold more properties that all the other competitors added together. More baby boomers and retirees are looking to get out of the cold of the northern lands and want a safe and affordable option to live and enjoy.
This has been one of the driving forces behind our market improving. We still see a few investors coming to the market picking up buildable lots and erecting spec. homes for sale to make a decent return on investment.
Although we are seeing the upswing with more buyers, prices are still flat. This is just perfect scenario for the buyer. Now having said that, are their “FIRE SALES”? Well not too many as most of them were picked up a few years ago, but there are still many good deals to be had. A lot of people have to remember that even though the many of the US markets are coming back Costa Rica still lags behind by a year or so.
Let me give you a bit of breakdown of those buying and how they have changed their look on purchasing.
1) Clients that were originally in the extreme Luxury market back in the hay days of the 2005 and 2006, with budgets of $2 million or more are still the same looking at palatial estates.
2) Those clients that had a budget of $800,000 to $1.5 million are now looking at properties in the low $800K range and picking up some good deals.
3) The buyers that originally would spend $600K to $800k are now looking for properties below a half million dollars.
4) Then you have the clients that would have spent a hal million 6 years ago are looking in the $300,000 range.
Do you see the pattern here? Buyers are still buying and many want to diversify their assets and own foreign properties for many reasons, and not just the great weather, fantastic beaches and warm friendly people either.
If you have been considering owning your own piece of paradise in the tropics of Costa Rica and especially Guanacaste, now is the best time to consider as I wrote many of the good deals are going fast and when the inventory gets low we will start to see prices on the rise again so don’t miss out before it is too late!
Joseph A. Emanuelli
Broker Associate – RE/MAX Tres Amigos
Playa Hermosa, Guanacaste Costa Rica, Central America
Toll Free From US & Canada 877-661-6074
Member CRGAR, NAR, CIPS, RSPS, IRES, ACP, SDIRA, TRC, ICREA, CRMLS