Yes, absolutely. Due to the “Restricted Zone” (within 50 km of the coast), foreign buyers must purchase property through a Fideicomiso, or bank trust. This is a secure, legal mechanism where a Mexican bank holds the legal title on your behalf, granting you all the rights of ownership, including the ability to occupy, rent, sell, or pass the property down to heirs. It is the standard, safe practice for foreign ownership in coastal areas like Bahía de Banderas.

Closing costs are generally paid by the buyer and typically range between 5% and 8% of the purchase price. This covers various mandatory fees, including the Acquisition Tax (Impuesto de Adquisición), Notary fees, registry fees, and the cost to establish the Fideicomiso. It is essential to budget for these costs in addition to the property price.

In Mexico, the Notario Público is a highly trained, government-appointed attorney who acts as the official legal closing agent. Their role is mandatory and crucial: they ensure the legal validity of the transaction, verify all documents, collect all taxes and fees, and register the new deed with the Public Registry. They are an impartial party protecting both the buyer and the seller.

Yes, the region has a strong track record of appreciation. Capital appreciation (Plusvalía) is driven by high, consistent tourism demand, a large expat community, and limited beachfront supply. Investing in a desirable area offers potential for both long-term value growth and significant rental income (ROI) through vacation rentals.

The typical closing process for a foreign buyer acquiring property through a Fideicomiso generally takes 45 to 60 days. The duration can vary depending on how quickly the Fideicomiso permit is issued and if all required documentation (such as non-lien certificates and appraisals) is prepared promptly by the Notario.