Florida Real Estate for Italians

Buying a condo in Miami is the easy part. The Italian fiscal calendar — IVIE, Quadro RW, FIRPTA, US estate tax — runs for the entire ownership period.

Full Italian fiscal lifecycle of US real estate ownership: purchase, holding, rental, sale, succession.

What problem we solve: Coverage across the ownership lifecycle

  • Pre-purchase: structure choice (direct ownership vs LLC vs trust), ITIN, wire transfer compliance
  • Annual holding: IVIE 0.76%, Quadro RW reporting, US property tax monitoring
  • Rental income (incl. Airbnb): Form 1040-NR with ECI election, Italian taxation, withholding agent rules
  • Sale: FIRPTA 15% withholding, US capital gains, Italian gain reporting, treaty credit
  • Death: US estate tax exposure, probate, FIRPTA on heirs' subsequent sale

What you receive: Service scope

  • Pre-purchase structure design
  • ITIN preparation (Form W-7) for Italian buyers without SSN
  • Annual Quadro RW + IVIE coordination
  • Rental advisory: ECI election, withholding-agent setup for property managers, depreciation strategy
  • FIRPTA compliance at sale + withholding-certificate application
  • US capital gains advisory + Italian credit calculation
  • Cross-border succession planning

Who this is for: Who it's for

  • Italian families buying a Florida vacation home
  • Italian investors acquiring US rental property
  • Italian-American families managing inherited Florida real estate

Investment: Pricing

Fixed fee defined case-by-case after a preliminary consultation, based on the phase of the ownership lifecycle (pre-purchase structuring, ITIN, annual Quadro RW + IVIE, FIRPTA at sale, succession planning) and the complexity of the property structure. The preliminary consultation is a 45-minute paid online session ($250); the engagement letter with the agreed fee is signed before any chargeable work begins.

Frequently asked questions

Should I buy my Florida property directly or through an LLC?

It depends on the use case. Personal vacation home with no rental: direct ownership is simpler but exposes you to US estate tax above $60,000 of value. Rental property: LLC offers liability protection and potentially shifts the asset's situs out of US for estate tax purposes. We map the choice during the Diagnostic.

Do I owe US tax on rental income from my Florida condo?

Yes. Rental income from US real estate is US-source income. Without an election, rental income is subject to 30% gross-basis withholding by the property manager. Most owners elect Effectively Connected Income (ECI) treatment under IRC §871(d) — they file Form 1040-NR, deduct expenses and depreciation, and pay tax only on net rental profit at graduated rates.

What is FIRPTA and how much will be withheld when I sell?

FIRPTA requires the US buyer to withhold 15% of the gross sale price when a foreign seller disposes of US real estate. Example: a $500,000 sale triggers $75,000 withholding remitted to the IRS. The seller files Form 1040-NR to compute actual tax on the gain and recovers the excess as a refund — usually 12–18 months later. A pre-sale withholding certificate (Form 8288-B) can reduce this.

How is the rental income reported in Italy?

Italian residents must declare net rental income from US real estate on the Italian tax return as foreign-source income. US tax paid on the rental is creditable in Italy under art. 165 TUIR. The property is also reported on Quadro RW and is subject to IVIE at 0.76% annually.

What happens to my Florida condo when I die?

If owned directly, US estate tax applies on value above $60,000 (rates up to 40%), the asset goes through Florida probate (6–18 months), and Italian inheritance tax applies under Italian law. If owned through a properly structured LLC, the situs may shift outside the US, eliminating US estate tax. Probate may also be avoided.

Can I deduct depreciation on my Florida rental?

Yes, when you elect ECI treatment. Residential US real estate is depreciated straight-line over 27.5 years on Form 1040-NR. Depreciation lowers the annual taxable rental income but reduces basis at sale, increasing the eventual capital gain. We model the lifecycle.

Related services

  • Quadro RW & IVAFE for Italians with US Assets — Complete Italian foreign-asset reporting for residents with US LLCs, accounts, securities and real estate. Quadro RW + IVAFE + IVIE.
  • International Succession Italy-USA — Cross-border estate planning and post-mortem advisory for Italian-American families: US estate tax for non-residents, FIRPTA, EU Reg. 650/2012, Italian forced heirship.
  • Italy-US Compliance Diagnostic — 75-minute structured session and written report mapping every Italian fiscal and legal exposure tied to your US structure.

Next step — book a 45-minute online consultation

Book a consultation (USD 250 · 45 minutes) · Send a contact request

About the firm

IIILEX International Consulting LLC is the Florida-based practice of Avv. Dott. Massimo Leonardi — Italian Attorney (Avvocato), Certified Public Accountant (Dottore Commercialista) and Statutory Auditor (Revisore Legale) with 30+ years of Italian practice. We work exclusively on cross-border matters between Italy and the United States.

IIILEX International Consulting LLC · 7901 4th St N STE 300, St. Petersburg, FL 33702 · us@3lex.us · +1 (786) 604-8764 · +39 335 344 9660

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