Many investors choose to purchase property though a corporation if the intent is to conduct the investment as a business. This would be the case in situations such as buying and selling land, renting their property or when owning more than one property. The Corporation also protects the Shareholders and allows ease of on-selling your Investment when the time is right

The Trustee Bank is the Mexican bank authorized to act as Trustee. The Trustee Bank must be a Mexican registered financial institution with an established trust department. As a buyer, you have the right to select any qualified bank (Scotia Bank, HSBC [largest bank in the world], Banamex [Citigroup], Santander [largest Spanish bank], etc.). The bank ensures that the closing is legal and appropriate. They will issue a trust for the real estate for your sole use. The Bank Trustee is prohibited by Mexican law from transferring ownership of the property, changing the beneficiary rights or doing anything regarding the property without your written instructions. Having a major bank looking out for your interest is yet another added layer of protection for the buyer.

You will own your slice of paradise in one of two ways: either through a Fideicomiso (FEE-day-coh-MEE-soh) which is a bank-held trust, or through a Mexican corporation.

Some of the benefits that come when using a fideicomiso to buy a property in Mexico include: It allows expats to buy properties within the restricted zone (you can buy a house in one of the many beautiful beach destinations in Mexico!) It gives foreigners the same rights as Mexican citizens when it comes to owning property. This means you can buy, sell, rent, or modify it. The trust can be used to purchase multiple properties in the country. In the case of your passing, you can designate the rights to pass on to whomever you choose. It can be renewed every 50 years. It also makes it easier to sell to another foreign buyer if you choose to do so, simply by going through a name-changing process in the trust. Note: If you intend to sell one property and keep one property, you may want to consider setting up a Fideicomiso for each property. This method makes the sales process much simpler and smoother for the buyer as they will become the new Beneficiary of the Bank Trust. ‍

Yes, absolutely. Mexican banks have government protection against bankruptcy. The trust is guaranteed indirectly by the government. Properties that are held in trust are NOT assets of the bank. In the rare case that the Mexican bank goes into financial difficulty, the property is transferred to another Trustee Bank. The new Trustee Bank will take care of the existing trust. These are federally imposed laws.

Foreigners often worry about their land being expropriated by the Mexican government. Under the North American Free Trade Agreement, NAFTA, Mexico may not directly or indirectly, expropriate property except for a public purpose (i.e. building roads). And only through a legal condemnation proceeding will this be possible. In the rare case where it is necessary to expropriate land, the government will pay swift and fair market compensation to the owner, together with accrued interest. This is the same process known as Eminent Domain in the USA, Compulsory Purchase in the UK or Expropriation in Canada. Insider Tip: If you have ever heard one of those stories about someone getting their property taken by the Mexican government, it is because the unfortunate person bought Ejido land, which is untitled land that only a Mexican national can legally own. Ejido land is the only land in Mexico that is without title.

Yes, absolutely. In fact, foreigners are not only allowed to legally purchase property in Mexico, the Mexican government has gone to great lengths to make it safe and simple. It is legal and 100% secure and we are here to guide you through each step.

A Fideicomiso is usually set up by a Licensed Notario and is approximately the following; Initinital Legal cost for Notario $1500 US one time payment Initial Registration Fee $500 US one time payment Ongoing Annual Fee $500 US per year Also each year you will have to do a tax return and report any rental income and associated costs to the tax office.

A fideicomiso is a real estate trust held on your behalf by a Mexican bank of your choosing (Scotia Bank, HSBC [largest bank in the world], Banamex [Citigroup], Santander [largest Spanish bank], etc.). The bank acts as the Trustee, and you and those you designate are the Beneficiaries of the trust. As the beneficiary of the trust, you maintain complete control over it, retaining the use of the property and making all investment decisions. This is not a lease, it is equivalent to a Living Trust in the US. A fideicomiso bestows upon the Beneficiary of the Trust (you) absolute and irrevocable control over the property: to enjoy, lease, improve, mortgage, sell, inherit and will. Simply stated, your property is placed in a trust that you own to be administered by a Mexican bank on your behalf. The Property is NOT an asset of the bank and can never be aquired, or resold by the bank even in the rare case the Bank declares bankruptcy.

Xmex Investments. The process of buying property in Mexico will inevitably have differences from what you may be accustomed to. That is why having the right people on your side is so important. Not only will it make all the difference in your experience, having a team of experienced, knowledgeable agents dedicated to guiding you through each step, ensures that you buy smart and buy secure. We at Xmex Investments pride ourselves on the personalized dedication we love to provide our clients. More often than not, we develop great friendships with our clients as we take them through to realizing their dream.

A Mexican Notary (Notario Publico) is a licensed attorney, certified by the state and Federal government to act as an official and unbiased representative of the government of Mexico. A Mexican Notary is very similar to a notary in Canada and has far greater responsibility than a notary in the US. A Mexican Notary has passed stringent exams required by the Mexican government and is a government official. They provide strict security of original records and documents and they record the documents with the Public Registry of Property. A Notary's role is taken very seriously in Mexico in that the Notary could be held liable in both civil and criminal terms.

There are several different types of Mexican corporations, however the two most common are similar to a limited liability corporation (LLC) and a limited liability partnership (LLP). In Mexico the designation is known as S.A de C.V. (Not LLC) A corporation is an organization similar to the Sociedad Anonima (“S.A.”) and the Sociedad Anonima de Capital Variable (“S.A. de C.V.”) that exist in Mexico. It is the most commonly used entity because the shareholders' liability is limited to their capital contributions and the stock ownership is freely transferable. Choosing which type of corporation to set up is important for tax purposes in both the US and Mexico, and you should speak with an attorney or accountant on both sides of the border to understand the benefits and costs each one entails. Making sure the choice is made correctly from the beginning will save you time and money.

Total Closing Costs including: taxes, Notario fees, setting up the escrow, appraisal fees, origination fee, application, establishing the trust, obtaining the SRE Permit will cost around 5% - 7% of the sale's price. If you have been approved for financing and choose to mortgage your property, the closing costs will be closer to 7% - 10% of the sale's price. 95% of real estate transactions in Mexico have typically been purchased with cash, but the option for a Mexico mortgage loan, being a fairly recent addition, has become increasingly popular. Acquisition fee 2% for Playa del Carmen & Tulum 3% for Cozumel, Cancún & Isla Mujeres Recording fee: approximately $6,000.00 pesos Notary fee 1-2% based on purchase price $3,000 USD attorney fee (minimum, for higher transactions this amount may increase) Buying through a Trust $1,500 set up fee $500 registration fee $500 annual fee Buying through a Corporation $1,500 set up fee $100 monthly fee

In the State of Quintanaroo as a Property Owner you will have several utility bills each month as follows; Based on a 2 Bedroom Condo with AC: Electricity $100 - $125 p/m Winter Season Electricity $150 - $175 p/m Summer Season Wifi Gignet $45 p/m Sky Channel / Cable $50 p/m Water $25 p/m Gas Not Usually Aavailable

The notary performs a variety of tasks including the authentication of legal documents, the calculation of capital gains tax and is responsible for ratifying ALL real estate transactions in Mexico. Any real estate transaction not ratified before a notary and duly recorded in the Public Registry is considered invalid and not enforceable. In a real estate transaction, the notary is equally responsible to the buyer and the seller and ultimately responsible to the Mexican government. Their job is to ensure the legality of the transfer of title, to calculate and retain the seller's capital gains tax on behalf of the government, collect the purchaser's acquisition tax and pay it to the Department of Foreign Affairs, coordinate appraisals, certificates of no liens, certificates of no debt and request all corresponding permits. After the closing, the Notary must record the transaction at the Public Registry and the Tax (Cadastral) Office. This role is taken very seriously in Mexico in that the Notary could be held liable in both civil and criminal terms. The Mexican notary is capable and legally authorized to carry out the transaction. However, we recommend also using an attorney to represent all your interests and protect your legal transactions.

Fideicomiso (Bank Trust) All foreign individuals purchasing property in a restricted zone (within 100 km of the Mexican border or 50 km from the coast) must purchase the property using a Fideicomiso (Bank Trust). Fideicomisos should be considered by foreigners who: ✔ Will use their property for personal use (will not receive rental income). ✔ Are considering obtaining Mexican residency. ✔ Will rent their property for income and have Mexican residency. If you plan on renting your property for income, you need to consider your Mexican tax obligations. One of the requirements for anyone earning income in Mexico is that you must declare any and all income with the tax authorities. To declare taxes, you must register with the authorities and obtain a Mexican tax ID known as an RFC. RFCs are only available for foreigners with Mexican residency, Mexican citizens, or Mexican corporations. Some property owners without residency who rent their properties held in a bank trust do so via online rental companies such as AirBnb. However, without an RFC, the online rental companies are required to retain 36% in taxes. If you are planning on renting your property but not planning on obtaining Mexican Residency, you may want to consider the next option. Mexican Corporation Another option for foreigners buying real estate is to open a Mexican corporation. By creating a Mexican corporation, foreigners can avoid the fideicomiso process as the property would be purchased by the Mexican Corporation. Mexican corporations should be considered by foreigners who: ✔ Plan to rent their Mexican property for income ✔ Plan to purchase more than one rental property ✔ Have no plans to obtain Mexican residency When renting a property owned by a Mexican corporation, the corporation will be issued a Mexican tax ID (RFC) and make monthly income declarations. There is a lot more involved in owning a Mexican corporation so it is important to discuss this option in detail with a Qualified Mexican Attorney.

The Trust is initially established for a period of 50 years and can be renewed at any time by a very simple form and a nominal fee. The trust is set in 50-year increments guaranteed renewable for perpetuity. The current cost is about $500 USD

We recommend using an attorney because we believe it is in your best interest. An attorney will represent you and protect all your legal transactions. The attorney will draw up contracts and review the terms and conditions of the sale. Legally, only a licensed Mexican attorney should provide advice on the laws. Foreign attorneys are not licensed to practice law in Mexico and should not give advice on Mexican law. Insider Tip: Buyers Beware - A common story in Mexico: sometimes well-intentioned, but more likely unscrupulous people, will promise a better deal saying they have a friend or relative who can offer discounted costs and save you money. This is NEVER the case. Allowing inappropriate people to become involved opens the door to improper documentation. Having to go back and fix what was done incorrectly will end up costing you thousands of dollars as opposed to having an attorney represent and protect your interests from the beginning.

Property Tax in the State of Quintanaroo varies slighly but for most homes it will range between $400-$500 US per year.

No. Your trust is not an asset of the bank; they are merely the stewards of the trust. You and those you designate are the beneficiaries. The trust to your Mexico real estate property is held by the bank for the beneficiary (you) and is not considered an asset of the bank therefore not exposed to any legal action that the bank might find itself in. The trust is the beneficiary's property.

In addition to representing your best interests and protecting your legal transactions, an attorney can be very helpful in saving you money. This is because attorneys are involved in many of the different transactions necessary and have contacts with banks, notaries and the Mexican government. They are aware of the most competitive costs and fees involved and make sure the buyer is given the best possible prices. You will also receive your attorney's advice on legal options to be sure no opportunities are missed, such as tax planning, closing costs that should be paid by the seller and ways of taking title. Very often one piece of good advice can save buyers thousands of dollars in tax or other savings when the buyer eventually decides to sell the property.

There are 6 parties involved in a Mexico real estate transaction inside the restricted zone. All are helpful in their respective areas and each serves a purpose in assisting you with your real estate transaction. Developer Real Estate Company Buyer's Attorney Corporation Attorney or Bank (if buying through a Fideicomiso) Notary To answer your question, Xmex Investments protects your interest.

The purpose of the fideicomiso is to allow foreigners to buy prime Mexico real estate inside the "restricted zone," and ensure a safe and secure transaction. The "restricted zone" is any land within 31 miles (50 km) of the coastline and 62 miles (100 km) of the borders. The Mexican constitution, when created, was designed to protect their land and prevent the kind of massive land loss they had endured through their history. Rather than amend their constitution, Mexico created and added the fideicomiso to encourage foreign investment in the highly desirable areas, particularly along the coastline. Residential properties outside of the restricted zone can be acquired directly by foreigners without the need for a bank trust, although some buyers opt to use it.

Title insurance has been available in Mexico since 1993 and its purchase is optional. Because Americans are used to having Title Insurance as part of the US real estate transaction, they feel reassured by having it. It is considered an insurance policy for property ownership and a title policy is the only monetary indemnification a buyer can obtain for property ownership. Similar to a US contract of indemnity, it guarantees that the property is free and clear of any claims, judgments, liens or other legal issues. Title insurance is an extra assurance the ownership rights are held by a Fideicomiso or the Corporation. Your attorney and the notary also both verify that the title is free of any encumbrances.

Xmex Investments provides Clients with the following range of services to safely and securely guide you to the right Investment Property. Our complete range of Services include: Initial Introduction & Consultation Investment & Lifestyle Advice - Vacation / Investment / Retirement Financial Strategies - Wealth Building - Buying Property with an IRA Corporate Structures, including Bank Account options Property Research including Location Property Selection, Property Type Advice - Correct Type for your needs Property Acquisition including Purchase Cost negotiations Construction & Inspection during building and hand-over Checklist 1 & 2 to ensure all is on the right track Return on Investment (ROI) Rental Plan Selection and Rental Management Program Accounting & Tax Filings Monthly Bookkeeping Services, Tax Compliance Property Management (Cleaning Services Etc) & Administration Immigration - Including Visa Selection & Application FAQ

Yes, XMEX is a licensed realtor but it is only ONE of the many services we offer. XMEX works exclusively with Developers and also local real estate agents. We are paid a standard 3% to 6% percent buyer agent commission. XMEX also now offers Bank-Owned properties which are a great way to get started with investing as these properties are typically half the cost of Fair Market Value.

NO. XMEX Investments is purely a Management & Service oriented company, we do not develop or build property. We provide the know-how, the property is supplied by the Developer or one of our Real Estate Partners direct to you and your Legal Entity.

Real Estate sales is a very big part of our services and we charge each Shareholder 6% of the Fractional Sale Price for providing and facilitating the Co-Ownership plan and putting everything together. We also charge a small commission for establishing and setting up the Company, the Bank Account, Rental Program, Property Management Program etc etc.

Your Company is a legal entity and after 2 years of financial records it has the ability to seek external financing. As the Company owns one asset free and clear of debt, the initial property, it is a low risk option to borrow additional funds from either a bank or one of our private lenders to purchase a second property. The rent from both properties would pay down the loan and the process is repeated for up to 4 properties over a 10-15 year period.

Buyers cover the cost of their first purchased co-ownership property with the following options: Recommended Option is to Apply for Finance with Lightstream - Fractional Funding (Go to https://www.lightstream.com/destination-club-financing) Cash Family loan or inheritance Home equity line of credit (HELOC) Personal line of credit Financing through Xmex Investments Investors and banking partners Developer Finance

Pet-Friendly Homes: In our pet-friendly homes, Xmex owners can bring up to two dogs onto the property. Dogs cannot weigh more than 80 pounds each and no other animals are allowed (except certified assistance animals). Owners bringing dogs will be required to register them upon booking and must use the professional cleaning option with their stay. If you bring a permitted pet into the Xmex home or onto the property, following your departure the manager will inspect the home for any pet-related issues. You will be responsible for any and all damage, charges, fees, or expenses incurred as a result of your pet’s behavior. Any such charges will be billed to you or will be treated as personal charges. If there is evidence of unpermitted pets being present in the Xmex home or on the property, the owner will be charged a fine of $2,500 in addition to the costs of any damage to person or property caused by the violation.

Xmex offers both pet-friendly and non-pet friendly homes as outlined in each home listing. In our pet-friendly homes, Xmex owners can bring up to two dogs onto the property. Dogs cannot weigh more than 80 pounds each and no other animals are allowed (except certified assistance animals). Owners bringing dogs will be required to register them upon booking and must use the professional cleaning option with their stay. More detail on Xmex’s Pet Policy is provided in the owner operating agreement.

No, Xmex Investments is the appointed Administrator of your Legal Entity and as such we protect the interests of all Shareholders. Individual Shareholder borrowing is not allowed under any circumstance. All Shareholders may agree however to take a loan for another property, which we will assist with.

Yes, and we are happy to assist with this. It can be a short stay or even the whole 3 month allocation. The change in time slot has to be agreed by both parties and a Reservation Form will be signed by both parties.

Xmex Investments is a provider and facilitator of Vacation/Investment/Retirement plans that include the purchase of a new Vacation Home. We help buyers find their affordable dream vacation home through co-ownership. Then we manage all the details so it’s as stress-free as possible. We purchase the home in your legal entity, we assist in design and furnishings & accessories, supply all kitchenware, and then manage the property moving forward. We provide every Service necessary through our network of partners so that you are fully protected and we can cater to any request you may have.

NO. Co-ownership or Fractional is not a timeshare as each owner holds a legal interest in the property. With only two to four co-owners, Xmex homes are also much more exclusive than a typical timeshare that often has up to 52 groups of people using the property annually.

No, not unless all 4 Shareholders agree that the slot can be allocated to you on a permanent basis. We have a rotating roster starting with the first 3 month allocation of February 1st to April 30th, then May 1st to 31st July and so on. Each year you will rotate up one full cycle. This way each Shareholder will get the most sought after slot of November 1st to 31st January every 4th year.

Simple, depending on your plan preference you will be allocated a set occupation time slot that rotates each Shareholder on a first/last choice every year. The Xmex App Calendar manages all your stays. Simply log in and schedule your stay. You will receive an instantaneous confirmation. When you arrive at your home, your concierge will have made sure the house is ready and the lights are on and the home’s temperature is perfect.

Typically any guests that are not Shareholders will put a deposit down for their stay and the deposit will be returned in full if there is no damage or missing items. If "No Pet" policy, and it is discovered that you have a guest with a pet half way through their stay for example, you will be informed and the guest will be instructed to remove the pet from the premises. If it is discovered that you have a "No Pet" policy that has been violated, the deposit will be used to clean and disinfect the property.

Co-ownership means you and up to three other co-owners share the legal ownership of the vacation home property. Each of you enjoys exclusive use of the home during scheduled stays throughout the year. Depending on your preference you can use the home for pure personal use or rent it out for Investment/Retirement. Fractional Ownership is another popular term and means exactly the same thing, but the most important thing to remember is that it is NOT Timeshare.

Xmex Investments is a Full Service operation and as such we make a nominal % commission fee on each and every service we provide. Remember, we also save you money. So for example we may save you up to 10% of the purchase cost due to our relationships and business model, and we charge you a 6% commission on the purchased property. In essence, if we are saving you 10% and only charging you 6%, you are still getting a great deal.

No, you can not sell part of your Shareholding in the sense that it would add another legal Shareholder to the Company. If there is some bad financial situation or difficulty you find yourself and you need to sell your entire Shareholding, then we can assist you with that.

Yes to a degree, We just have to ensure that you are still in the right step in the process to switch to another property without any Government charges for changing Shareholders in the Company or Fideicomiso (bank trust).

One of two ways. You are welcome to find your own buyer whether a family member or friend OR you can allow us to find the buyer for you. Our commission for a "Resale" is only 3% of the sale value of your share, plus there will be some Government fees/taxes for the change of Company Shareholding, and possibly Capital Gains Tax (if not sold correctly).

Xmex Investments hand picks suitable properties for our Clients that have each been scrutinized for our Ten Point Checklist.

Closing Costs Typically the only cost left out of the equation are the Closing Costs as it depends on final assessment of the unit once delivered and handed over. However Closing Costs usually average around 6% to 7% of the purchase contract price (excluding extras). This may be slightly higher for smaller Studio units if the Buyer is a Non-Mexican and establishing a Mexican LLC or Fideicomiso for example. A large amount of the Closing Costs are Government Fees and unfortunately not negotiable. If you purchase with Xmex Investments we will advise as accurately as possible to the actual costs and of course if you buy a Fractional option these costs are shared.

To be perfectly honest, not much except for the location. Most of our homes are purchased off the plan to be assured the best possible price and Developer discounts. Visiting the block of dirt to see where the property will be built assures you of the existing infrastructure such as shops, restaurants and other amenities. This information however is readily available with Google Earth. We also research the area for future growth and to ensure that no unsightly construction is going to interfere with your property.

QUICK GUIDE Step 1 is to pick the Property Type & Location of your New Investment from our Featured List; 1. You can Secure the Investment of your new Condo for ONLY $250 2. Your initial $1,000 for Administration is due within 5 business days 3. You Select which Plan suits your needs; Vacation/Investment/Retirement 4. You have Up to 2 months to Capitalize your Selection 5. Xmex will form the Mexican LLC Company 6. Xmex will group likeminded Investors together in same Company 7. Xmex will select the perfect Property for the Company 8. Xmex will open the Company Bank Account in Mexico (US$) 9. Xmex will have all Shareholders review and sign the Agreement 10. Xmex will purchase the property at the best price 11. Xmex will oversee the construction of the property until delivery 12. Xmex will set up the rental program (if selected) 13. Xmex will look at purchasing an additional property (if selected) 14. Xmex will manage and maintain the property 15. Xmex will administer the Company finances and file tax returns etc

YES. You can sell your interest in the Company any time you like at full market value. You can sell to another family member or associate or we can transact the sale for you.

In some cases yes, so long as the property meets the stringent criteria for our Fractional Program. Any Property has to fit this criteria so that it attracts 4 Shareholders. If we deem a property too specific so that it attract a smaller interest from buyers, then the program simply won't work for anyone.

No, in fact far from it. Internet buying is the new way the world is moving towards. In the last few years we now buy everything online, from food to household goods and from furniture to cars. Since the Pandemic Real Estate has now also joined the online world, not just for initial viewing, but for everything including the sale & purchase of the property and including all the legal paperwork. Everything can now be done virtually and Xmex Investments can do everything from the comfort of your own home.

We restrict the purchase of Shares to any one individual to a maximum of 2 shares. Simply, it would not make sense for anyone to buy 3 shares as they may as well buy the whole Condo. Obviously if we have some special circumstances such as a family or group of friends this can be re-evaluated. Xmex Investments exists to provide the services to YOU.

NO (Unless Specified) Furniture is not usually included in the price unless offered by the Developer as a promotion or part of the deal. However, all Developers will have a furniture package available at an additional cost. The cost varies depending on the type and style of your unit but a Studio for example can cost around USD$8,000 and a 2 Bedroom Unit can be as much as USD$16,000. General Inclusions (may vary according to type & style): 1. Bedroom Set – Including Bed & Side Stands 2. Mattress – Hotel Grade / Protector 3. Sofa / Sofa Bed 4. Dining Table & Chairs 5. Breakfast Bar Stools 6. Coffee Table 7. TV – 55” Flat Screen (in each room) 8. Mirror or Painting 9. Tuluminati Accessories – Lamp Stands / Hanging Crotchet etc 10. Coffee Maker / Toaster 11. Plates / Cups / Glasses / Cutlery / Chopping Board & Knives 12. Bath Towels / Beach Towels / Bed Linen 13. Window Coverings

The Developer will list the price of various types of units based on size, quality of finishes, location and demand. The price usually includes all fixtures and fittings, closets and cupboards in the Bedrooms and Bathrooms, a fully fitted Kitchen which will include the stove top and microwave but the Refrigerator is not always included and may be optional. In this region on the Riviera Maya, Ceiling Fans and AC are included but window coverings may be optional and are usually part of a Furniture Package. Furniture unless expressly offered and included by the Developer is normally an additional package that the Buyer provides. Most Developers offer an additional cost Furniture Package and are a good option for Investment buyers as the quality of the furniture is designed for Rental Plans and to be hard wearing.

Signing up with Xmex is fast, simple and FREE. Complete the sign up form accessed from any sign up / register button throughout the site. You may also register using your Facebook, LinkedIn or g+ account. That’s it. Upon completion, you will receive a validation e-mail to your inbox. Sign up today – there is no charge and no obligation.

Each Property is owned by a Mexican LLC Company which has Shareholders, This is referred to as the Portfolio. The cost of your Investment is determined by several important factors; How Many Existing Properties are in the Portfolio How Many Future Properties are planned for the Portfolio. The Purchase Cost of Each Property in the Portfolio The Total cost and Fair Market Value of the Portfolio at the time you Invest The Rental Return on the Properties The Expenses of the Mexican LLC and Net Profit Your Investment of $15,000 for example will translate into a % Shareholding typically with a minimum of 5 Shares to a maximum of 10 Shares, if based on 100 Shares and depending on the Assessed value of the Mexican LLC at the time of your Investment.

No, the Investment Club is purely for wealth building and retirement purposes as the rental income is used to cover costs and contribute to additional properties. However, we do have discount packages and rates for Members throughout the Riviera Maya for staying at an Xmex property.

Quite often we will put you into an existing property portfolio with other like-minded investors/shareholders as this is a money-making exercise, you are not going to live in any of the properties. We take responsibility for selecting the right property type, property location, price, construction time-frame and most importantly the ROI & Rental Return.

YES, We can work with all types of investors and our approach is to make sure the investment is tailored for you, in terms of investment criteria and $$ amount. In light of the current fluctuating market conditions and particularly, a volatile interest-rate environment, it is quite challenging to find solid investment opportunities that carry a high-yield potential or are cash-flow positive. Concurrently, most often there are high barriers to entry for quality-grade real estate investments. Even if you do access a real estate investment of significant scope, doing so would often require large amounts of capital, ample experience, and the ability to perform costly and comprehensive due diligence analysis for each investment. At Xmex Investments, we do all the heavy lifting.

As with any investment, Xmex direct investments carry risks, which may occur due to fluctuations in the real estate market, unforeseen circumstances, or failure to perform on the business plan. Nonetheless, Xmex signs contracts with each sponsor that include collateral/pledge provisions, such as the investor’s ownership of the acquired property, and other mechanisms that allow for control and regular monitoring of the investment. To really answer this question for 100% satisfaction, the only risk you have with a Property Portfolio is in your own life circumstances. If for some reason (Divorce, Bankruptcy, Job Loss, Health Etc) you have to cash out at the wrong time when there has been a property downturn, otherwise all Property corrects itself and just sit back and wait. The Property will NOT be costing you any money once your initial payment is made. For more information on risks associated with investing and principal loss, refer to our full disclaimer.

Any person can get immediate access to current offers after signing up to Xmex for FREE. If you choose to become a funding Member in a project, we will help you to get verified as an accredited investor first. We can also recommend and advise about financing options that we have available. Our Finance options include access up to $100,000 without having to take out any kind of 2nd Mortgage or use your home as security.

Access quality real estate investments that were once exclusive to high-net-worth or institutional investors. These investments have passed our rigorous due diligence process. We choose from multiple developments and multiple styles such as Studio, 1 & 2 Bed Condo, Penthouse and Swim-Up Etc. In addition, when you invest with Xmex, you gain access to a team of professionals with years of experience in managing the risk and potential pitfalls associated with real estate investments. Accredited investors may choose from diverse real estate investments and start investing for as little as $15,000. Benefit from complete transparency and professional oversight. Our work doesn’t stop at funding. Once a deal is closed, the project is overseen by our analyst team and measured against the project’s pre-approved business plan. In addition, you will receive ongoing reports regarding the progress of your investment, from initial investment through to exit.

The Xmex Investment Club is a new kind of investment company that is here to serve a new class of investors like you. What was formerly exclusively available to the affluent is now accessible to accredited investors. But Xmex is much more than a funding platform. It’s also a social investment network specializing in exit-oriented real estate investments, with tools built to meet our community’s unique needs. Here, you can access quality investments, connect with other investors and benefit from our real estate know-how. Investing in real estate online is simple and secure, starting from as little as $15,000. Our investments go through extensive due diligence and approval processes and benefit from complete transparency and ongoing professional oversight – from start to exit.

NO, With Xmex Investments you Do Not have to be an Accredited Investor as your Investment Property Portfolio is held in trust as a Shareholding in a Mexican LLC Company. An accredited investor is a term used by the U.S. Securities and Exchange Commission (SEC) under Rule 501 of Regulation D. An investor must fulfill at least one of the following to become accredited: Earn an individual income of more than $200,000 per year, or have a joint spousal income of more than $300,000 per year, in each of the last two years and expect to reasonably maintain the same level of income. Have a net worth exceeding $1 million, either individually or jointly with his or her spouse. Be a bank, insurance company registered investment company, business development company, or small business investment company. Be a general partner, executive officer, director, or a related combination thereof for the issuer of a security being offered. Be a business in which all the equity owners are accredited investors. Be an employee benefit plan, trust, charitable organization, partnership, or company with total assets over $5 million. The above strict US conditions actually STOP a lot of regular hard working people from getting ahead in life.

YES, we charge a flat fee of 6% on top of each Investment. So if you are investing $15,000 the Service Fee would be an additional $900 (which can be financed). Xmex covers quite a lot of the management and initial set up of each new Investment Structure. We perform the following Services; Set Up and Establishment of the Mexican LLC including payment of all Government and Attorney Fees Bank Account set-up and Accounting appointment Property procurement, research and price negotiations Construction oversight Rental & Property Management set-up Ongoing Rental Program (Paid Monthly) Managing HOA Payments & Repairs (Paid Monthly) Monitor ROI

YES, Investors receive progress reports throughout the lifetime of their investments. Once a deal is closed, our Accountants and Financial Services Department performs an ongoing oversight and monitoring process and measures the project against its pre-approved business plan.

XMEX Investments has an EXCLUSIVE Bank Loan facility for our own Clients. We can now offer a traditional style mortgage with only 20% Deposit required and a loan of 80% of property value for up to 20 years. Most Banks and Finance Insitutions in Mexico require a minimum of 35% Deposit. A minimum credit score of 650-675 at time of funding is required. Interest rates in Mexico are always higher than in US, Canada or Europe but we can offer rates of 10% or 11%. Our finance has many positive benefits, it allows you to buy property in Mexico without using your own home as security.

YES. In certain deals especially with Bank-Owned Inventory which has to be purchased "Loan-Free", we will quite often support Clents with additional funding with a Short-Term loan. The XMEX Loan is designed for first time investors to assisit in starting an investment portfolio or for Clients to buy a slightly larger or more expensive home upgrade. Typically you would need a minimum of 50% -60% down payment with the balance financed in-house by XMEX. Short-Term is defined as 3 years or 5 years if necessary at a nomial 6.9% interest. Repayments can usually be structued so that they are paid from rental income of the property.

The true answer is it depends on the Financial Institution. XMEX and some of our Developers that offer Loans will allow you to resell the home with the Loan included as part of the deal. This added benefit may also open up your property sale to a wider audience. Banks will usually require that the Loan is fully satisfied as part of the sale.

There are several methods available for Expats and Europeans to buy Property in Mexico. Quickest and easiest is to borrow against your home equity. There are various forms of this, one of the most common is a Home Equity Line of Credit (HELOC). There are mainstream Banks in Mexico now offering loans such as Cross-Border loans but they will still require an approved credit rating and will still look at your current Asset/Debt situation for approval. Also these loans are typically at a higher interest rate than banks at home.

It is not in the interest of XMEX or the bank to move too quickly to reclaim the security of the Loan. Whether XMEX or the Bank, the financial entity will always look to resolve the matter so that you continue with your loan. If temporary hardship or change of job, income or even additional family members to support, whatever the reason remember to convey this to your financial institution and offer a PLAN. Most of the time missed payments can be added to the back-end of the loan with minimal additional interest.

Property Value is determined by several factors: Location, Size, Condition and Demand, but most importantly it is determined by what is known as "Comparable" pricing. Comparable pricing is the recent sales history of similar (similar size, condition & location) properties in the area. This is the only true identifier of what a property is worth based on what people are prepared to pay. As such, Bank-Owned properties can be quickly evaluated for Fair Market Value by a simple internet search using major recognized Realtor websites.

Clearing is our in-house term that we use to "Clear" the property of any debts or legal issues. Quite often this process can take 3months minimum and sometimes up to 6 months. However, one of the Partners in Xmex is a Professional Laywer in Mexico and has successfully attended court to Clear over 500 homes/condos. We also check on Property Tax, Liens, even unlawful tenants so that when you receive the property it is 100% Cleared. XEN Clearing We check the Following; Condition of Property Repairs or Refurbish Bank Owed Amount Taxes Paid & Up to Date No Liens No Legal Disputes Clear Title Available

Bank-Owned properties are not for resale from the Bank to the General Public. The bank only deals through a select number of approved companies on their list. We are one of the few approved companies that can offer these very affordable Bank-Owned properties to the public usually at half the Fair Market Value.

NO. Technically you are buying the property from the bank at a "TRUE" value as that is the purchase price. The price on the Title Deed is the price you paid and so there is no issue with Capital Gains tax until you decide to sell the property in the future. However, even then you can apply for a tax exmption as a foreigner if you have an RFC tax number to minimize your tax.

YES, the property ultimately is processed by a Lawyer/Notary so that the Title Deed is in your name or in the name of your Fideicomiso. We can recommend a Specialist Independant Laywer in this field or you can use your own Attorney/Notary.

Buying a Bank-Owned Property is quite different to a normal property purchase. Due to the fact that they are much lower cost, there is a large demand for the properties and so quite often they are sold on a first come first serve basis. How to Buy (Buying Process May Vary) Typical Buying Process; First Come First Served Security Deposit $1000 > 50% After 5 Days > 90 Days Clearing > Balance 90-120 days > Closing After 120+ > Clear Title Issued

Bank-Owned Property is a normal house or condo that has been taken back by the bank due to non-payment of mortgage, loans or sometimes taxes. The Bank now has the legal right to sell that property to recover the funds that the bank is owed.

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You can edit the title from the Settings tab in the app. If you don’t want to display the title, simply disable the Title under “Info to Display”.

This question is asked all the time. From our research there are many local Banks here in Mexico to choose from. HSBC, Bancomer BBVA, Banorte, Scotia Bank & Santander Etc will allow a Temporary or Permanent Resident to opene a Bank Account if you can provide the following: Passport of your Country of Residence c/w Immigration Stamp Email and Phone Number of Account Holder (Local Mexican Phone Number) Rental or Lease Agreement for a local property in Mexico Electricity Bill associated with the Property or Landlord in Mexico Beneficiary Names, Dates and Place of Birth Other forms of ID may also be required Temporary or Permanent Resident Card RFC Tax ID Number CURP Number

This question is asked all the time. From our research there is only one bank that will allow a person on a Tourist Visa (180 days) to open a bank account in Mexico. Intercam Bank will allow a Tourist Bank Account if you can provide the following: Passport of your Country of Residence c/w Immigration Stamp Proof of Address of Country of Residence Email and Phone Number of Account Holder (Can be International Phone Number) Social Security or Tax ID Number of your Country of Residence 2 Personal References Rental or Lease Agreement for a local property in Mexico Electricity Bill associated with the Property or Landlord in Mexico Beneficiary Names, Dates and Place of Birth Other forms of ID may also be required Temporary or Permanent Resident Card not required RFC Tax ID Number not required CURP Number not required