Florida Homes for Canadians. Guided by a Canadian Realtor Who Bought There First.
Cross-border financing, taxes, and the right market, whether you are a snowbird, an investor, or moving for good. Free Zoom consultation.
The DK Group is a cross-border real estate team led by Canadian Realtor Dave Kadun and brokered by LPT Realty, helping Canadians buy property in Florida as snowbirds, investors, or future residents. We work in five Florida markets: Orlando, Jacksonville, Tampa Bay, Fort Myers, and Miami. Consultations are free.
Areas servedOrlando·Jacksonville·Tampa Bay·Fort Myers·Miami
Licensed Alberta Realtor
Brokered by LPT Realty
Owns an Orlando-area revenue property purchased in 2025
Five Florida markets served
🇨🇦 🇺🇸 Who we work with
Who Is This For?
The Snowbird
You love the idea of escaping Canadian winters in your own Florida home. You want a property you can enjoy for months at a time, with the option to rent it out when you're not there.
The Investor
You're looking at Florida real estate as a wealth-building strategy. Short-term vacation rentals, long-term tenants, or appreciation plays, Florida's market offers real opportunity for Canadian capital.
The Future Resident
You're thinking bigger. Maybe it's retirement, maybe it's a lifestyle change, maybe you're just done with the winters for good. You want to understand what a permanent or semi-permanent move actually looks like.
The process
How It Works
Book a Free Consultation
Start with a no-pressure Zoom call with Dave. We'll learn about your goals, timeline, and budget.
Understand Your Buying Power
We'll walk you through financing options available to Canadians, including cross-border mortgages and cash purchase strategies.
Choose Your Market
Orlando, Jacksonville, Tampa Bay, Fort Myers, or Miami, each market has unique opportunities. We'll match you to the right one.
Search & Tour Properties
Our Florida-based agents handle the on-the-ground work. We'll set up virtual tours so you can explore properties from Canada.
Make an Offer & Close
We guide you through the offer process, negotiations, inspections, and closing, with full support every step of the way.
Enjoy Your Florida Property
Whether you're moving in, renting it out, or visiting each winter, you're now a Florida property owner.
The team
Your Florida Real Estate Experts
Local expertise. Canadian understanding.
Dave Kadun
Team Lead | Licensed Alberta Realtor
Dave is a licensed Realtor in Alberta, Canada who purchased his own Orlando-area revenue property in 2025. He bridges the gap between Canadian buyers and the Florida market through firsthand cross-border experience.
Octavius Williams
Florida Real Estate Agent | Orlando & Jacksonville
Octavius is a Florida-based agent with deep roots in the Orlando and Jacksonville markets. He brings local knowledge, market expertise, and a commitment to finding the right property for every buyer.
Get personalized guidance
Tell Us About Your Florida Goals
Fill out this quick questionnaire and we'll reach out within 24 hours with personalized guidance.
Dave Kadun 🇨🇦
Licensed Realtor in Alberta, Canada
My Story
Why a Canadian Is Your Best Guide to Florida Real Estate
It started in 2022. My wife and I were sitting at the kitchen table, talking about what we actually wanted our future to look like. Where did we want to retire? What did we want our lives to feel like in our 60s? The answer kept coming back to the same place. Florida.
We had always loved the Disney area. There is something about Orlando that just feels like possibility, not just the parks, but the energy, the weather, the communities. We started dreaming out loud.
But I'm a real estate agent. I don't just dream. I build plans. And so began several years of intentional preparation.
We spent time saving. We studied the Florida market intensively, learning the differences between purchasing in Canada versus the United States, understanding short-term rental regulations, exploring the best areas for property appreciation, and learning the financing options available to Canadian buyers. I wanted to know everything before I put a single dollar at risk. I also wanted my wife and I to experience the process firsthand, so that when our clients went through it, we could say "we've been there."
Finding the right partners in Florida was equally important. I didn't just want licensed agents. I wanted people who shared our values: agents who treat clients like friends, not files, agents who get to know the people they work with, understand their family goals, and genuinely care about finding the right fit. That search took time, but it was worth every minute.
In 2025, we made the leap and purchased our first revenue property in the Orlando area. Every step of that purchase, from the cross-border financing questions to the legal nuances and the property management decisions, we navigated ourselves first, on purpose.
Now I know exactly what Canadians face when they try to buy in Florida. And I have a team of Florida-based agents who share the same values I do.
This journey doesn't have to take years. With the right guide, it can start today.
Sunshine State
Experience Florida Your Way
Orlando
Fort Myers
Miami
Jacksonville
Tampa Bay
Florida Lifestyle
Florida Market Comparison for Canadian Buyers
Comparison of the five Florida markets The DK Group serves for Canadian buyers
Market
Character
Typically suits
Orlando
Theme-park and tourism hub with strong year-round visitor demand and a large vacation-rental community.
Buyers who want short-term vacation rental income, or a family property near the Disney area.
Jacksonville
Large Atlantic-coast city with residential neighbourhoods and beach communities.
Buyers who want a more everyday, residential Florida base rather than a tourist district.
Tampa Bay
Gulf Coast metro combining a working city with waterfront and bridge-linked beach communities.
Snowbirds and investors who want city amenities with Gulf Coast access.
Fort Myers
Relaxed Gulf Coast area known for its beaches and winter-season communities.
Snowbirds looking for a seasonal escape from Canadian winters.
Miami
Major international city with a dense condo market and global buyer interest.
Buyers who want an urban, international property and long-term appreciation potential.
For every stage of life
Florida Isn't Just for Retirement, It's a Lifestyle for Every Stage of Life
Young Professionals
Families
Retirees
Answers
Frequently Asked Questions
Can Canadians buy property in Florida?
Yes. Canadians can buy property in Florida with no citizenship or residency restrictions. You have the same ownership rights as a US buyer, including the ability to hold title individually, through a corporation, or through a trust.
Do I need to be a US resident or citizen to buy?
No. Canadians who are non-resident aliens for US purposes can purchase Florida real estate outright. There are tax and financing considerations specific to non-US buyers, and we walk Canadian buyers through each of them before an offer is written.
How does financing work for Canadians?
Canadians buying in Florida generally use one of three paths: a cross-border mortgage from a Canadian bank with a US arm (RBC, BMO, and TD are common), a US foreign national mortgage from a US lender, or a cash purchase often funded by Canadian home equity. Each path has different documentation and timing. We help you compare them before you shop for a property.
What are the tax implications for Canadian buyers?
Canadians who own Florida property pay annual Florida property taxes, and FIRPTA rules apply when the property is eventually sold. Rental income and any gain can also be reportable in both the United States and Canada. Because outcomes depend on your personal situation, work with a cross-border tax advisor; we can introduce you to one.
Can I rent my Florida property when I'm not using it?
Yes. Many Canadian owners rent their Florida property out when they are not there, either as a short-term vacation rental or on a longer lease. Rules vary by city, county, and HOA, so we help Canadians identify properties in areas where the intended rental use is permitted.
What areas of Florida do you serve?
The DK Group serves Canadian buyers in Orlando, Jacksonville, Tampa Bay, Fort Myers, and Miami. Each market has a different character and investment profile, and we match Canadians to the market that fits their goals rather than pushing one area.
How long does the buying process take?
Most Canadian purchases in Florida run from first conversation to closing in roughly one to three months, depending on financing and property availability. Cash purchases can close faster because there is no lender timeline to manage.
Do I need to be in Florida to complete the purchase?
Not necessarily. Canadians can complete much of a Florida purchase remotely using virtual property tours, digital document signing, and remote closings. We still recommend visiting the area before you commit if your schedule allows.
Can a Canadian get a mortgage in Florida?
Yes. Canadians can get a mortgage on a Florida property either through a Canadian bank's US cross-border program or through a US lender's foreign national program. Foreign national loans typically require a larger down payment and more documentation than a domestic US mortgage because the borrower has no US credit history. Speak with a lender early, since pre-approval shapes what you can offer on.
What is FIRPTA and how much is withheld?
FIRPTA is the Foreign Investment in Real Property Tax Act, and it applies to Canadians when they sell US real estate, not when they buy. At closing the buyer's agent withholds a percentage of the gross sale price and remits it to the IRS as a prepayment against any US tax owed on the sale. The withheld amount is not the tax itself, and reductions or refunds are often available, so plan the sale with a cross-border tax advisor before you list.
How long can a Canadian stay in Florida each year?
Canadians visiting the United States as tourists are admitted for a limited period per entry, and total days present in the US across recent years also affect US tax residency under the substantial presence test. Staying longer than permitted, or exceeding the day counts, can create immigration and tax consequences. Confirm your own limits with a US immigration professional and a cross-border tax advisor before planning an extended Florida stay.
Do Canadians pay US tax on Florida rental income?
Yes. Rental income a Canadian earns from a Florida property is US-source income and is reportable to the IRS, and it must also be reported in Canada. The Canada, United States tax treaty and foreign tax credits are designed to prevent the same income being taxed twice, and how you file affects whether you are taxed on gross rent or on net income after expenses. A cross-border tax advisor should set this up before your first rental booking.
What is the best Florida city for Canadian snowbirds?
There is no single best city; the right Florida market for a Canadian snowbird depends on flight access from your home airport, the community feel you want, and whether you plan to rent the property out. Orlando suits buyers who want tourism-driven rental demand, Fort Myers and Tampa Bay appeal to buyers who want a Gulf Coast pace, Jacksonville offers a more residential Atlantic-side option, and Miami suits buyers who want a major international city. We help Canadians compare all five before choosing.
Is Florida property a good investment for Canadians?
Florida attracts Canadian investors because of year-round tourism demand, strong rental interest, and no state income tax in Florida. Whether it works as an investment for you depends on the purchase price, carrying costs such as insurance, property tax, and HOA fees, your currency exposure, and how you intend to rent it. We run those numbers with Canadian buyers honestly, including the ones that do not favour buying.
What are HOA fees and how do they work?
An HOA (homeowners association) fee is a recurring charge paid by owners in many Florida condo and community developments to cover shared costs such as exteriors, amenities, landscaping, and often some insurance. HOAs also set rules that can restrict short-term rentals, pets, and renovations, which matters a great deal to Canadian buyers planning rental income. We review the HOA documents and fee history with you before you remove conditions.
Do Canadians need US health insurance in Florida?
Provincial health coverage in Canada provides little or no protection for medical care received in Florida, so Canadians typically buy private travel medical insurance for the time they spend there. Coverage terms, trip-length limits, and pre-existing condition rules vary widely between insurers. Confirm the details with a licensed insurance broker before an extended stay rather than assuming your provincial plan travels with you.
What does Florida homeowners insurance cost relative to Canada?
Florida homeowners insurance is generally more expensive than comparable coverage in Canada because of hurricane and windstorm exposure, and flood coverage is usually a separate policy. Premiums vary widely by location, elevation, roof age, and construction type, so two similar-looking Florida homes can carry very different costs. Canadian buyers should get an insurance quote during the inspection period, before the purchase becomes firm.
Ready to Start Your Florida Journey?
Book a free 15-minute Zoom call with Dave. No pressure, no obligation, just clarity.
Orlando vs. Fort Myers vs. Tampa Bay: Which Florida Market Is Right for You?
A region-by-region comparison of Florida's most popular markets for Canadian buyers, investment potential, lifestyle fit, and what your budget gets you.
FIRPTA Explained: What Every Canadian Buyer Needs to Know
The Foreign Investment in Real Property Tax Act affects every non-US buyer. Here's what it means for you, how it works at closing, and how to plan for it.
