We select investment-grade properties, oversee transactions through escrow, and support our clients from acquisition to residency approval
Request information on real estate investments in Panama and residency options
M2 Agency — real estate investments in Panama with full residency support
Panama real estate for capital protection, long-term stability, and global mobility
Dollar-based assets with 8−10% annual returns and residency options through investment from $ 300,000
Why Panama
Panama is more than just a real estate market
Here, property investments serve multiple purposes at once: capital protection, stable USD-denominated income, and a legal pathway to residency. A territorial tax system, a dollar-based economy, and transparent investment programs make Panama one of the few countries where real estate solves several strategic objectives for investors at the same time.
A key advantage is a clear, structured pathway: real estate → permanent residency → citizenship by naturalization. Permanent residency does not require continuous living in the country — visiting once every 1–2 years is sufficient
A key advantage is a clear, structured pathway: real estate → permanent residency → citizenship by naturalization. Permanent residency does not require continuous living in the country — visiting once every 1–2 years is sufficient
- Permanent Residency without Mandatory Relocation
- Citizenship by Naturalization after 5 Years of Permanent Residency
- Dollar-Based Economy & Crypto-Friendly Environment
- Territorial Tax System
- Freehold Ownership
- Escrow Protection
- Rental Yields & Capital Growth
- A Regional Hub for Living and Business
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Permanent Residency without Mandatory Relocation
Under the Qualified Investor program, an investment from $ 300,000 allows you to obtain permanent residency within a short timeframe (around 30−45 days). There is no requirement to live in Panama permanently — the status is maintained with visits once every 1−2 years. This makes Panama a practical solution for those who want a legal status without relocating immediately
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Citizenship by Naturalization after 5 Years of Permanent Residency
Panama offers a clear and legally robust pathway: permanent residency → citizenship by naturalization. This is not a "purchased passport", but a standard legal process after several years of lawful residency. Such citizenship cannot simply be revoked, as it is obtained on the same legal basis as for other residents, and is therefore viewed calmly by banks and compliance systems. This clearly distinguishes Panama from "citizenship by investment" schemes or ancestry-based programs, where the risk of revocation is high
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Dollar-Based Economy & Crypto-Friendly Environment
Panama operates on a fully US dollar-based economy, removing currency risk and making the financial side of investments clear and predictable. The country does not impose sanctions or freeze accounts for political reasons, which is an important factor for international capital. Panama’s economy continues to grow, with GDP growth projected at around 4.5% in 2025. Tourism is expanding as well, with arrivals up 6.9% and tourist spending increasing by 7.8%. In addition, Panama is widely recognized as a crypto-friendly jurisdiction, suitable for flexible international financial structures
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Territorial Tax System
Panama applies a territorial tax system: in general, only income sourced within the country is taxed, while foreign-sourced income is not subject to local taxation. This approach is one of the key reasons why Panama is considered a comfortable and practical jurisdiction for investors and entrepreneurs
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Freehold Ownership
Foreign buyers in Panama can acquire property with full ownership (freehold). No leasehold structures, nominees, or complex ownership schemes. This is a basic but critically important advantage for protecting investor rights
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Escrow Protection
Real estate transactions in Panama can be structured through escrow accounts. Funds are released in stages and strictly according to a legal framework. For investors, this means control over capital, transparency, and an additional layer of protection — especially during the construction phase
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Rental Yields & Capital Growth
Market benchmarks indicate short-term rental yields of around 8−10% per year in USD. The potential for capital appreciation is estimated at approximately 25% over five years. These figures make Panama real estate attractive not only as a status asset, but also as a solid investment
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A Regional Hub for Living and Business
Panama is a regional hub for finance and international business. Strong infrastructure, global services, and expat-friendly conditions support rental demand and property liquidity. This is a functioning service-based economy — not a seasonal resort market.
Panama is regularly recognized in international rankings as one of the best countries for expats, including by Forbes. Based on the global Expat Insider Report, Panama ranked #1 worldwide for expats in 2024 and 2025, scoring highly for quality of life, ease of adaptation, and financial comfort
More Than Real Estate
Panama offers a rare combination of advantages for real estate investors: a US dollar-based economy, a territorial tax system, transparent ownership rules, and a clear pathway to permanent residency and citizenship. Here, property works not only as a source of income, but also as a tool for capital protection and long-term planning.
Contact us to receive a curated selection of investment-grade properties in Panama and learn more about residency options through investment
Contact us to receive a curated selection of investment-grade properties in Panama and learn more about residency options through investment
By clicking the button, you consent to the processing of your personal data and agree to the Privacy Policy.
What Working with M2 Gives You
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Investment Property Selection
We select properties specifically suited for investment and the Qualified Investor program. These are projects with clear income potential, resale liquidity, and a sound legal structure. We don’t offer random listings — only properties that are designed to perform as real investment assets -
Property Investment + Permanent Residency
We support our clients not only in purchasing property, but also in obtaining permanent residency through the Qualified Investor program. You get a clear and structured path: investment → residency → long-term strategy (income, resale, citizenship) -
Fully Remote Process
Property purchase, legal formalities, and preparation for permanent residency can all be completed remotely. We present properties via live video tours and assist with all required documentation. A visit to Panama is only required once — to collect the permanent resident ID card -
Transaction Security & Fund Control
We fully support the transaction, including contracts, legal coordination, registration, and escrow. All transactions are conducted through escrow, with funds released strictly according to the legal structure and transaction stages. This ensures transparency and full control of funds at every step -
Payment Assistance
We support clients throughout the payment stage and help select a compliant and practical payment structure based on their individual situation. Available options may include bank transfers (SWIFT), cryptocurrency payments through a properly structured legal framework, as well as other permitted formats. We oversee the process to ensure funds are transferred securely and transparently -
Licensed Legal Support
Immigration, transactions, escrow, and ongoing support are handled exclusively by licensed lawyers and official structures in Panama. We begin the process only after confirming that the client’s case fully meets the program requirements -
Transparent Financial Model
For each property, we prepare a detailed investment analysis covering expected returns, costs, and potential exit scenarios. All figures are based on realistic assumptions and current market data, without inflated projections -
Ongoing Support After Purchase
Our work does not end with the transaction. We continue to support our clients after the property is acquired — assisting with residency status, rental and property management, resale planning, and long-term investment strategy. Our goal is to ensure that the property performs and delivers results at every stage
Contact Us Today
Leave your contact details, and we will get in touch to tell you about current opportunities in the Panama real estate market and answer your questions
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Who We Are
M2 is an international real estate agency with many years of experience across investment markets
Since 2010, our team has been working with residential and investment real estate, helping clients acquire assets for capital preservation, income generation, and long-term goals. Over the years, we have supported hundreds of transactions and built reliable processes based on a deep understanding of markets, legal frameworks, and investor priorities.
Today, we have expanded our geography and opened a new direction — Panama. This market became a natural addition to our portfolio due to its dollar-based economy, clear property ownership rules, and investment programs designed for international clients. We apply our accumulated experience to this new market, maintaining the same standards of quality, reliability, and client-focused work
Since 2010, our team has been working with residential and investment real estate, helping clients acquire assets for capital preservation, income generation, and long-term goals. Over the years, we have supported hundreds of transactions and built reliable processes based on a deep understanding of markets, legal frameworks, and investor priorities.
Today, we have expanded our geography and opened a new direction — Panama. This market became a natural addition to our portfolio due to its dollar-based economy, clear property ownership rules, and investment programs designed for international clients. We apply our accumulated experience to this new market, maintaining the same standards of quality, reliability, and client-focused work
Team
We are a team of professionals with experience in international real estate. We work directly with our clients throughout every stage of the transaction and remain in touch after the purchase, assisting with property-related matters and next steps
- Alena TrakhanovaCo-Founder & CEOAlena has over 15 years of experience in international real estate. She is responsible for international partnerships and business expansion. Her focus is on developing long-term business relationships and driving the agency’s key growth areas
- Nadia RobertsonCo-Founder & CEONadia has more than 15 years of experience in international real estate. She is responsible for the company’s strategic development and the expansion into new markets. Her strength lies in strategic thinking and building a sustainable operating model for the company
- Maria PatsOperations DirectorMaria is responsible for all internal operations of the company. Her management experience gained in large international corporations allows her to build clear, stable, and scalable operational processes
- Jorge Patricio SalazarDirector of Business DevelopmentJorge is responsible for the development of the Panama business line, local partnerships, and interaction with the local market. His experience in managing large-scale projects and media initiatives helps build a strong on-the-ground presence and ensure effective operations
- Olga AstafievaInvestment ConsultantOlga has many years of experience in sales and is known for her highly personalized approach to clients. She is valued for her attentiveness, involvement, and ability to build strong, trust-based relationships
- Igor RomannikovInvestment ConsultantIgor has over 10 years of experience in international real estate. His background includes working with property markets in the UAE, Turkey, Cyprus, and Phuket. Today, he advises clients on real estate investments in Panama
- Olga PyurveevaInvestment ConsultantOlga has lived in Panama for several years and has in-depth knowledge of the country. She is fluent in Russian, English, and Spanish and has experience working with clients across different countries
- Alena FridmanClient SupportAlena has been living in Panama for over 10 years and has an excellent understanding of the local environment. She supports clients not only with real estate-related matters but also with everyday and organizational issues after the purchase
- Daria RomannikovaClient SupportDaria supports clients throughout all stages of interaction with the company. She is known for her high level of responsibility, attention to detail, and strong focus on client comfort
- Ilya DriuchinHead of MarketingIlya is responsible for marketing and the coordination of all external contractors — from advertising to content and video production. He builds marketing processes and ensures consistent and high-quality brand communication
- Oleg ObydenovDigital Marketing & Traffic ManagerOleg is responsible for lead generation and digital channels. Having lived and worked in multiple countries, he brings a global perspective and creative, non-standard approaches to marketing
- Anastasia SyromolotovaSMM ManagerAnastasia manages the brand’s social media and online presence. She is responsible for visual style, content creation, and communication with the audience
- Mikhail MavrinIT & Technical SupportMikhail oversees the company’s technical infrastructure, including IT systems, communications, services, and internal tools, ensuring stable and efficient operations
Individual Approach
Our team works with international clients and speaks several languages — English, Russian, Spanish, and Chinese. This allows us not just to support transactions, but to build clear and comfortable communication, taking into account the cultural and legal specifics of each country.
We understand that investments in Panama are often connected not only with real estate, but also with residency status, strategy, and long-term goals. That is why we work with each client individually — from the first inquiry to the implementation of the selected investment model
We understand that investments in Panama are often connected not only with real estate, but also with residency status, strategy, and long-term goals. That is why we work with each client individually — from the first inquiry to the implementation of the selected investment model
Choose Reliability
By working with us, you partner with a team focused specifically on investment real estate in Panama. We help you understand market opportunities, assess investment potential, and choose a solution aligned with your goals — whether income, permanent residency, or a long-term strategy.
Contact us to discuss your request and get a clear understanding of the next steps
Contact us to discuss your request and get a clear understanding of the next steps
By clicking the button, you consent to the processing of your personal data and agree to the Privacy Policy
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Learn more about real estate in Panama
FAQ
Welcome to our Frequently Asked Questions section. Here you will find answers to key questions about our services, real estate investment in Panama, and the process of obtaining permanent residency through investment. This section will help you better understand the market, the legal and financial aspects of transactions, and navigate the investment process with confidence
Yes. Foreigners in Panama can own real estate in full ownership (freehold) — with the same rights as Panamanian citizens. This applies to all types of property: apartments, villas, commercial properties, and land. Property is registered directly in the owner’s name and does not require leasehold structures, nominee owners, or complex ownership schemes. This means the investor receives a full title with the right to own, rent out, and resell the property.
Yes. Property in Panama can be purchased fully remotely. All stages of the transaction can be completed without the buyer being physically present — including property selection, document signing, payments, and title registration.
Personal presence is required only if the investor applies for permanent residency (PR) after the purchase — specifically to receive the permanent resident ID card.
Personal presence is required only if the investor applies for permanent residency (PR) after the purchase — specifically to receive the permanent resident ID card.
Panama widely uses escrow accounts. Funds are not transferred directly to the seller or developer but are held in a secure escrow account and released in stages — according to the contract terms and construction progress, after confirmation of completed works.
This mechanism provides full control over funds and protects the buyer, especially when purchasing property at the construction stage.
This mechanism provides full control over funds and protects the buyer, especially when purchasing property at the construction stage.
Yes. Panama offers a clear and legal pathway:
Step 1. Purchase real estate from USD 300,000 that meets the investment program requirements.
Step 2. Obtain permanent residency under the Qualified Investor program (on average 30−45 days).
Step 3. After 5 years with permanent residency status — eligibility to apply for citizenship by naturalization.
Permanent residency does not require continuous residence in the country.
Step 1. Purchase real estate from USD 300,000 that meets the investment program requirements.
Step 2. Obtain permanent residency under the Qualified Investor program (on average 30−45 days).
Step 3. After 5 years with permanent residency status — eligibility to apply for citizenship by naturalization.
Permanent residency does not require continuous residence in the country.
Panamanian citizenship is obtained through naturalization, not by purchase. It is a standard legal process after several years of lawful permanent residency.
Such a passport:
cannot be arbitrarily revoked,
is obtained on general legal grounds,
is well accepted by banks and compliance systems.
In contrast, "fast-track passports" or ancestry-based schemes often rely on formal or questionable grounds, which is why cancellations frequently occur years later.
Such a passport:
cannot be arbitrarily revoked,
is obtained on general legal grounds,
is well accepted by banks and compliance systems.
In contrast, "fast-track passports" or ancestry-based schemes often rely on formal or questionable grounds, which is why cancellations frequently occur years later.
No. Permanent residency does not require living in Panama on a full time basis. It is sufficient to visit the country once every 1−2 years. This makes Panama convenient for those who view residency as a long-term strategic option rather than an immediate relocation.
Returns depend on the project, location, and rental format.
For investment projects with short-term rental licenses, market benchmarks are approximately 8−10% per year in USD, with additional potential for capital appreciation in the medium term.
Exact figures are always calculated individually for each property.
For investment projects with short-term rental licenses, market benchmarks are approximately 8−10% per year in USD, with additional potential for capital appreciation in the medium term.
Exact figures are always calculated individually for each property.
Panama applies a territorial tax system: taxes arise only on income generated within Panama. Foreign-sourced income is not taxed in Panama. This is one of the reasons the country is considered investor-friendly.
The tax system is relatively soft and transparent, with no hidden charges. If property is rented out in Panama, tax is paid only on that rental income.
Personal income tax is calculated on a progressive scale:
up to USD 11,000 per year — 0%,
income above USD 11,000 — 9% (applied only to the amount exceeding this threshold).
The tax system is relatively soft and transparent, with no hidden charges. If property is rented out in Panama, tax is paid only on that rental income.
Personal income tax is calculated on a progressive scale:
up to USD 11,000 per year — 0%,
income above USD 11,000 — 9% (applied only to the amount exceeding this threshold).
Yes. Property in Panama is held in full ownership (freehold) and can be freely resold at any time.
It depends on your goal. Ready property is usually more suitable for personal use or long-term rental, but it typically offers lower investment returns. Property at the construction stage is often chosen by investors focused on income and future resale. This format allows entry at a lower price and significantly lower competition at exit, as Panama has a very limited number of projects with licenses for short-term (hotel-style) rentals. In this case, the investor acquires not just an apartment, but an investment instrument. The market for such projects in Panama is still forming, which is why many investors see the current moment as an opportunity to enter early—before large-scale capital inflows.
Costs in Panama are transparent and easy to forecast.
The main expenses include:
The main expenses include:
- Condominium maintenance fees. A monthly fee covering 24/7 security, cleaning, landscaping, pool maintenance, gym facilities, lighting, waste collection, etc. On average, USD 2.5–3.5 per m² per month, depending on the level of the complex.
- Property ownership tax. An annual tax averaging 0.8–1% of the property value. In many cases, the first residential property is exempt from this tax.
- Utilities. Electricity, water, and internet are paid based on actual consumption.
Still have questions?
Every investment starts with the right strategy. We’ll be glad to review your case and show solutions that truly work for you — based on your capital, goals, and timeline
By clicking the button, you consent to the processing of your personal data and agree to the Privacy Policy
Contacts
Our team works with international clients and specializes in investment real estate in Panama. We are ready to answer your questions, discuss current market opportunities, and help you choose a solution that fits your goals — whether investment returns, permanent residency, or a long-term strategy.
Contact us in any way convenient for you — we’re here to help
Contact us in any way convenient for you — we’re here to help
🇷🇺 +507 6706 1065
🇬🇧 +507 6574 4522
🇪🇸 +507 6574 3919
Email: info@m2panama.com
Address: Punta Pacifica, Punta Colón Street, The Ocean Club
🇬🇧 +507 6574 4522
🇪🇸 +507 6574 3919
Email: info@m2panama.com
Address: Punta Pacifica, Punta Colón Street, The Ocean Club
