Yes, though options differ from standard domestic loans. Cross-border financing is available through specialized Mexican lenders catering to foreigners. These typically require a 30% to 50% down payment and carry higher interest rates than those found in the US or Canada. Alternatively, many buyers utilize seller financing, which is highly popular and secured directly via structured real estate contracts. Read about financing in Mexico here: Home Financing
Los Cabos has maintained a track record of strong, steady appreciation over the last several years. Driven by limited coastal land availability and high demand for luxury lifestyles, properties in premium communities have proven to be exceptionally resilient stores of value. See our market reports here: Market Reports
El Tezal: Serves as a major growth corridor offering highly sought-after, mid-tier condos and single-family homes with excellent ocean views, located just minutes from downtown Cabo San Lucas.
The Pacific Side: Expanding rapidly, appealing to buyers looking for dramatic, rugged oceanfront vistas, cooler breezes, and slightly lower price-per-square-foot entry options
Growth is heavily propelled by Cabo’s close proximity to major North American hubs, exceptional golf courses designed by legends like Jack Nicklaus and Tiger Woods, world-class marinas, and high-quality private infrastructure that appeals directly to high-net-worth investors seeking a reliable winter getaway.
Cabo San Lucas: Known for its high energy, vibrant marina, lively nightlife, walkable downtown beaches, and robust short-term vacation rental demand.
San José del Cabo: Offers a historic, authentic Mexican charm highlighted by an expansive Art District, traditional architecture, farm-to-table dining, and a slightly quieter, more relaxed pace of life.
Read about key differences here: The Los Cabos Homebuyers Guide
Understanding the time in Los Cabos has become incredibly straightforward because Daylight Saving Time (DST) was officially abolished in Mexico by an act of Congress. Because Los Cabos no longer changes its clocks, the site breaks down how the local time aligns with North American time zones depending on the season:
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In the Winter: Los Cabos aligns with Mountain Time (matching Denver winter time).
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In the Summer: Los Cabos aligns with Pacific Time (matching Los Angeles summer time).
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Year-Round: If you are from Arizona, Los Cabos is always on the exact same time as you, since Arizona also does not observe DST.
Read more here: What time is it in Cabo?
Once an offer is accepted, the transaction follows a clear path:
Earnest money is deposited into the designated escrow account.
The seller provides clear title documents.
The official home inspection is completed.
The Notario verifies tax clearances and requests the Fideicomiso bank permit.
Final funds are wired to escrow, and both parties sign the closing documents.
Read about the Purchase Process here: Purchase Process
Yes, they are highly recommended. Certified local inspectors carefully assess regional construction dynamics, primarily focusing on the integrity of concrete structures, structural stability against tropical weather, proper waterproofing, electrical grounding, and the efficiency of localized cistern and water pressure pumping systems. Read about property inspections here: The Purchase Process
The ISABI is a localized property transfer tax levied by the municipality on the buyer when real estate changes hands. In Baja California Sur, it is established at a standard 3% of the declared purchase value and is paid as part of your closing costs. Read about property acquisition tax here: Closing Costs
Yes. Modern transactions safely utilize specialized, US-style third-party escrow companies (such as Armor or Settlement Company). Your earnest money and final balance deposits are held securely in a protected, neutral US-based account and are only disbursed to the seller at the exact moment the final deed is signed before the Notario. Read about Escrow Accounts here: Closing Costs