TOOLS · POINT2PVR
FLEX Financing Calculator
Estimate your monthly payment and upfront investment for property financing in Puerto Vallarta. For US, Canadian, and international buyers. No Mexican credit history required.
WHY FLEX FINANCING
No Mexican credit check required
No Mexican credit bureau required. Financing is evaluated on your income capacity and property collateral.
US & Canadian bank statements accepted
6 months of US or Canadian bank statements serve as primary proof of income. No Mexican tax ID needed to start.
No FM2, FM3, or permanent residency required
Foreign nationals and Mexicans living abroad both qualify. Your passport and proof of income are enough to begin.
Pre-approval in under 25 days
From signed contract to keys. The full process, including notary and title, typically completes in less than 25 days.
FLEX CALCULATOR
Run your numbers
Property purchase price
$100,000 – $2,000,000 USD
Downpayment
36.1% of property value (fixed by lender)
$180,500
Monthly Payment
Est. monthly payment, Year 1
$5,051
Initial Investment
Advance capital
Advance payment of first 65 months of capital — not a fee.
Fees & costs
Paid in two installments: at approval and at closing. Includes VAT.
10% estimate for foreign buyers
Have your numbers? Let’s walk through your exact scenario.
Schedule a Discovery CallPayment schedule
Adjusts years to preview only — your monthly payment is fixed and does not change with this control.
6-month total
$43,134Full term — no remaining balance at 9.5 years
Monthly payments are fixed for 12-month periods, with a 4% annual stability adjustment.
This is a savings-pool financing structure, not a traditional interest-on-balance mortgage. The interest charge is fixed on the original financed amount throughout the full term.
The 4% annual update factor is contractually fixed from day one. It is not a variable rate and is not tied to SOFR, Prime Rate, TIIE, or any market benchmark. It cannot change during the contract term.
All figures are USD estimates. The financing contract is officially denominated in Mexican Pesos (MXN) per the lender's legal structure.
Early payments are allowed without penalty and reduce both the monthly amount and the remaining term.
Payment estimates are illustrative and based on current product parameters. Actual terms, rates, and fees may vary or be updated by our financing partner without prior notice. These figures do not constitute a financing offer or commitment. Contact Kali Tovar for a personalized quote.
Common questions
Frequently asked questions
WHO QUALIFIES
Three buyer profiles
US & Canadian Nationals
Want to buy property in Mexico from abroad
- No Mexican credit history required
- No permanent residency required
Documents needed
- ·Valid passport
- ·6 months bank statements (US/CA)
- ·Last year's tax return
- ·Last 3 months pay stubs (if salaried)
Self-employed or freelance: bank statements + additional income documentation
Mexicans Living in the US
Working or residing in the United States
- Mexicans working in the US but living in Mexico
- Mexicans living in the US interested in buying property in Mexico
Documents needed
- ·Valid ID (passport or consular ID)
- ·6 months US bank statements
- ·Proof of income (pay stubs or tax filings)
- ·Credit report
Expatriates in Mexico
Living in Mexico for 6+ months
- Any nationality with at least 6 months of documented residence in Mexico
- Can show migratory status documentation
Documents needed
- ·Valid passport
- ·Migratory document (FM2, FM3, or temporary/permanent residency)
- ·6 months Mexican bank statements
- ·Proof of income
All applications require an official ID and an updated credit report, regardless of income proof method. Bank transfers between accounts and investment payouts are not counted as qualifying income.
Next step
Ready to run your specific numbers?
Book a 30-minute Zoom call and we'll walk through your exact scenario (property value, monthly commitment, and total investment) with no obligation.