Hey, Reader!

Happy Saturday, Fellow Real Estate Go-Getter!

Last week, the world saw why 🇵🇷Puerto Rico🇵🇷 is a beautiful, complex place that deserves attention, care and consideration.

Sure, it's a beautiful place to vacation, but for me, it's been an awesome place to live. From affordable housing, education and elder care to beautiful Caribbean sunsets and tropical breezes, it's been a place of financial and emotional reset.

And you? You might be in a similar need of a financial reset.

Perhaps you’re a seasoned professional in your 40s or 50s. You’ve built income, experience, and momentum, and now you’re thinking strategically about accelerating retirement through real estate.

If you also want a tropical lifestyle without leaving the U.S. system, Puerto Rico offers a rare, compelling alignment of lifestyle, financing, and tax advantages.

Here’s why it deserves serious consideration 👇

🇺🇸 U.S. Convenience, Caribbean Lifestyle

• No passport required — Puerto Rico is a U.S. territory
• English is widely spoken, especially in business, real estate, and finance
• U.S. legal system, U.S. dollar, U.S. banking
• Eligible for U.S. mortgage products, including
  • FHA loans
  • VA loans
  • USDA rural loans

This means you can often buy property with low down payments, long amortizations, and familiar underwriting—while living in paradise.

📉 A Market with Supply (Not Displacement)

There’s a misconception that buying property on the island displaces locals. The reality:

• 300,000+ vacant homes
• Declining population driven by:
  • Low birth rates
  • An aging population
  • Decades of outward migration to the mainland U.S.

Thoughtful investment—especially in renovation, affordable housing, and hospitality—can:

• Re-activate unused housing stock
• Create construction and tourism jobs
• Expand the tax base
• Strengthen local communities

This is a classic case where new capital can lift the entire economy rather than crowd it out.

💰 Powerful Tax Advantages (When Structured Correctly)

Puerto Rico is one of the most tax-advantaged jurisdictions available to Americans who qualify:

• Act 60 (formerly Acts 20 & 22)
  • 0% federal tax on Puerto Rico–sourced dividends
  • 0% Puerto Rico tax on qualifying capital gains (post-move)
  • 4% corporate tax rate for eligible service businesses
  • Up tp 40% tax credit on tourism projects
• Opportunity Zone Funds
  • Capital gains deferral
  • Potential capital gains elimination on Opportunity Fund appreciation
• Additional advantages
  • No state income tax as you know it on the mainland
  • Favorable treatment of certain passive income streams
  • Strategic use of depreciation and cost segregation through real estate

When paired with income-producing property, these benefits can significantly improve after-tax cash flow and accelerate net worth.

🧭 Why This Matters for Your Retirement Timeline

Puerto Rico allows you to combine:

• Cash-flowing real estate
• Lifestyle arbitrage
• Tax optimization
• Long-term appreciation

That’s a rare four-way alignment—especially for Americans who want to stay within the U.S. framework.

📞 Call to Action

If you’re serious about fast-tracking retirement through real estate—and want to explore whether Puerto Rico fits into your long-term strategy—I invite you to schedule a private strategy call.

👉 We’ll map out a plan tailored to your goals, risk tolerance, and timeline.

🗂️ What We’ll Cover on the Strategy Call

• Your fast-track retirement roadmap
• How real estate can accelerate cash flow and equity
• Where Puerto Rico’s tax incentives and market dynamics may (or may not) fit into your plan
• Key pitfalls to avoid and structuring considerations
• Next steps if you decide to move forward

Paradise is optional. Financial clarity is not.​
Let’s see if Puerto Rico is the lever that helps you retire sooner and better.

If you want to invest in places that offer optimal returns by the sheer dynamics of the market, WHILE providing tax incentives that can last for years to come, Puerto Rico could be that place.

If you want to learn more about investing, living on the island, or visiting frequently, sign up for a 1-hour coaching call so I can help you reach your goals.

​SIGN UP FOR A ​

​1-HOUR COACHING CALL​

In the meantime, I think it's time for us all to become savvy investors, no matter where we land.

So, I've got a free resource to help you with that goal.

"10 Essential Steps to Start Investing in Real Estate Passively"

This guide will show you how to build wealth through real estate without the headaches of being a landlord.

​Download the Free Guide Now​

Let’s make 2026 the year you break free from the rat race and start building wealth on your terms.

To your success,

​
Aja Dileah

Finally, if you want to learn more about getting amazing deals like this by using your faith, check these FREE resources:

​⬇️ Real Estate by Faith: Creative Ways to Become a Homeowner ​

​⬇️ 17 Creative Ways to Become a Homeowner ​

💸This week's newsletter sponsors💸

Freebies & resources on the website Did you know I have SEVERAL free books and resources on my website? Check them out here: POI resource page 👉

I hope this was helpful and encouraging!

Aja McClanahan

Founder of Principles of Increase | Instagram | YouTube

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