Should You Open a U.S. Company to Buy Property?
- gsausabr
- Apr 4
- 3 min read
If you're a Brazilian planning to invest in real estate in the United States, one of the first questions you may face is:Should I buy as an individual, or should I open a U.S.-based company (like an LLC) to purchase the property?
While both options are legally allowed, the structure you choose will have a direct impact on your taxes, inheritance planning, liability protection, and privacy. It’s not a one-size-fits-all decision—but understanding the pros and cons of each can help you make the smartest move.
Let’s explore whether opening a U.S. company to buy property is the right choice for your investment goals in 2025.
🏢 What Is a U.S. Company (LLC or Corp) and Why Use One?
Many foreign investors choose to set up a Limited Liability Company (LLC) or Corporation (Corp) in the U.S. to buy and manage real estate.
This type of legal entity allows you to:
Purchase and own property in the company’s name
Separate your personal assets from your investment
Structure your taxes more efficiently
Make it easier to manage multiple properties under one business
💡 For Brazilian investors, an LLC is typically the most flexible and tax-efficient option.
✅ Benefits of Buying Through a U.S. Company
1. Liability Protection
If something goes wrong on your property (accident, damage, lawsuit), your personal assets in Brazil are protected when the property is owned by a U.S. company.
2. Estate Tax Planning
As an individual foreign owner, your U.S. assets may be subject to estate taxes of up to 40% if you pass away. Holding the property through an LLC or foreign-owned entity can help minimize or avoid this liability.
3. Tax Efficiency
Owning through an LLC allows for pass-through taxation, meaning profits and losses flow to the owner’s personal tax return. You may also benefit from deductions like depreciation, maintenance, management fees, and interest.
4. More Privacy
When buying in your own name, your name and address may appear in public U.S. property records. Using an LLC offers more discretion, as the company name is listed instead.
5. Professional Appearance
If you're planning to rent the property (especially short-term), operating under a company name can appear more credible to guests and partners.
⚠️ Possible Downsides to Consider
1. Setup and Maintenance Costs
Forming a U.S. company involves fees (usually $300–$500) and annual renewal filings. You'll also need an EIN (Employer Identification Number) and possibly an ITIN (Individual Taxpayer Identification Number) for tax purposes.
2. More Complex Tax Filing
While a company offers advantages, it does come with added paperwork. You'll likely need a U.S.-based accountant to file annual reports and tax returns.
3. Banking Requirements
Opening a bank account under an LLC can require additional documentation and, in some cases, a visit to the U.S.
💡 Despite these challenges, many international investors find that the long-term tax and legal benefits outweigh the setup costs.
🧠 When Does It Make Sense to Buy Through a U.S. Company?
You should strongly consider opening a U.S. company if:
You plan to own multiple properties in the U.S.
Your investment is high-value (above US$250,000)
You want long-term tax efficiency and estate planning
You are concerned about liability or privacy
You plan to treat the property as a business (e.g., Airbnb/short-term rental)
On the other hand, if you're buying a single, modest vacation home for personal use only, buying under your personal name may be simpler.
🔑 Final Thoughts
Setting up a U.S. company to buy property may sound complicated—but for many Brazilian investors, it’s a strategic move that pays off in legal protection, tax savings, and peace of mind.
At Dreams N Fun, we work closely with Brazilian investors to create the best structure for their U.S. real estate goals. From LLC formation and tax guidance to full property management, our team is ready to help you invest with confidence.
📩 Thinking about opening a U.S. company to buy property? Contact Dreams N Fun today and let’s build your strategy together.
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