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The most expensive mistake involves using the agent's recommended lawyer. The agent earns money when the deal closes, which is not the same as protecting the buyer. An independent lawyer costs a modest share of the price and is money well spent.

Beyond the investment itself, programmes impose additional requirements. Frequent requirements include proof of no criminal record, medical insurance, proof of income and a minimum stay in the country each year.

Distance adds costs that local owners never see. A local manager has to handle keys for emergencies, deal with letters and bills, and supervise repairs.

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