Miami's Anonymous All-Cash Condo Deals To End In 2026

In this episode of The Peter Zalewski Show™, Clarita Rosa of Candor Title & Closing Services discusses AI, blockchain and new reporting rules for all-cash residential deals regardless of price.The weekly podcast The Peter Zalewski Show™ features interviews with South Florida business leaders focused on real estate, finance and the economy.The program - hosted by Peter Zalewski of the Miami Condo Investing Club™ - is broadcast live every Wednesday at 4 pm (Miami time) at MiamiCondo.Club and on Peter Zalewski’s social media accounts to watch the free live broadcasts.The objective of the show is to deliver straight talk, share institutional knowledge and provide data-driven analysis on the macro and micro economic forces shaping the tricounty South Florida region of Miami-Dade, Broward and Palm Beach.Episode OverviewIn the Dec. 10, 2025, episode of The Peter Zalewski Show™ podcast, host Peter Zalewski interviews Clarita Rosa—the founder of Candor Title & Closing Services in Coral Gables—about the complexities of title services, and the changes coming to the closing process related to AI, blockchain and a new Residential Real Estate Reporting rule for all-cash property transactions involving shell companies and trusts.During the nearly 80-minute podcast, Rosa discussed the U.S. Treasury Department’s new Financial Crimes Enforcement Network (FinCEN) requirement that eliminates the dollar threshold for all-cash deals involving condos, houses or vacant land for residential development.For the last decade, FinCEN has had in place Geographic Targeting Orders (GTOs) that applied to all-cash residential transactions of at least $300,000—originally $1 million—involving legal entities in certain U.S. locations.Miami-Dade County and Manhattan were the first two geographies to fall under the GTOs.Ultimately, all three South Florida counties of Miami-Dade, Broward and Palm Beach were added to the GTO list.Beginning in March 2026, title agents and closing attorneys nationwide will be required under FinCEN’s Residential Real Estate Reporting rule to collect two forms of identification and a completed questionnaire with personal and professional information from both the buyers and sellers.Zalewski said the new FinCEN rule seems like the latest step by the Feds to eliminate money laundering through real estate investing by closing a loophole that allowed shell companies to purchase residential properties anonymously.