Miami Emlak MIAMI EMLAK
Free PDF · 51 pages · August 2026 edition

The list price is about two thirds of what you pay.

The other third is closing costs, property tax, insurance, HOA fees, FIRPTA and estate tax — and none of it appears in the listing. This guide sets them out line by line, in dollars. Not a brochure: a working document where every figure is dated and sourced.

51pages
25primary sources
16years in Miami
150+families served

Four numbers inside it

  • $25,075 — what it actually costs per year to hold a $500,000 Brickell condo with no mortgage at all. That is $2,090 a month with the unit empty.
  • +113% — the jump in property tax on a typical Aventura home after it sells. The tax line in the listing is the seller's. You see your real bill about 17 months after closing.
  • $142,800 — the US estate tax on a $500,000 condo held in a foreign owner's own name if that owner dies. A non-resident's exemption is $60,000. A US citizen's is $15 million.
  • $131,167 — what sits at the IRS for 12 to 18 months if you skip the Form 8288-B application when you sell. Filing it costs $1,000–$2,500.

Also inside

  • Two complete closing statements — cash condo and financed house, every line
  • Property tax by municipality: 1.42% in Sunny Isles to 1.73% in Brickell
  • SIRS and milestone inspections — the correct 2026 dates and the special-assessment risk
  • Mortgages without an SSN: down payment, the reserves rule, and what the foreign-national premium costs
  • Moving money from Turkey: FX tax, documentation thresholds, and the hidden cost in the rate
  • What E-2 actually requires and the six reasons files get refused
  • School enrollment: DH 680, DH 3040 and the calendar traps
  • 28 areas with closed-sale medians and real negotiating room
Selçuk, Yeliz and Cesur Ertekin

Selçuk, Yeliz & Cesur Ertekin — in Sunny Isles Beach since 2010. We wrote the guide, and we answer the questions it raises.

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Miami Emlak / Xuma USA LLC — Equal Housing Opportunity.

Three pages from inside

These are real pages from the guide, not mock-ups.

Guide page showing the itemised closing cost table
Section 03 — closing costs, line by line
Guide page showing property tax by municipality
Section 04 — property tax by municipality
Guide page showing the US estate tax calculation
Section 09 — estate tax and ownership structures

What this guide is not. It is not tax, legal or immigration advice and does not replace it. Miami Emlak / Xuma USA LLC is a licensed real estate brokerage — not a law firm, an accounting firm, or an immigration practice.

Buying a home does not grant residency, and E-2 does not turn into a green card on its own. The guide explains why, and what does work.

Figures go stale. This edition rests on August 2026 data. Mortgage rates move weekly, insurance premiums annually, HOA dues at any time.

Miami Emlak / Xuma USA LLC · Sunny Isles Beach, Florida · Equal Housing Opportunity.
We provide our services without regard to race, color, religion, sex, disability, familial status or national origin.