If you’re considering making Costa Rica your new home, understanding your residency options is essential. In this webinar recap, Quatro Legal joins Hower Magazine to explain the key differences between the Rentista and Investor residency categories, how CCSS (Caja Costarricense de Seguro Social) plays into your long-term planning, and how recent changes could impact your decisions.

Why This Topic Matters Now

“By the time you’ve read all the information on the internet, you don’t know anything,” says Debbie from Quatro Legal. Misinformation and outdated advice often lead foreigners astray, especially when it comes to the Rentista category.

Whether you’re planning to rent, invest in real estate, or start a business in Costa Rica, knowing the real rules and how they’re applied today can save you time, money, and stress.

What Is the Rentista Category?

The Rentista category is for individuals who want to reside in Costa Rica and can prove a steady, passive income of at least $2,500 USD per month.

✅ To qualify, applicants must show:

• Passive income from rental property or dividends.

• Income can originate abroad but must be passive—not from employment.

• Savings deposits no longer qualify as proof.

“Most of the information out there about Rentista is wrong or outdated,” warns immigration expert María José. “It’s crucial to understand the new requirements.”

❌ What’s no longer accepted:

• A lump sum of $60,000 in a bank account.

• Income from active work or freelance activity.

What Is the Investor Category?

This category includes three subcategories, each requiring a minimum investment of $150,000 USD:

1. Real Estate Investment

• Must be registered under your personal name.

• The immigration department reviews the value registered at the municipality, not the purchase price.

2. Investment via Corporation (Shares)

• You can own a Costa Rican corporation, even if it holds no real estate.

• What matters is that your share ownership reflects a minimum capital of $150,000.

• Ideal for those who wish to rent before buying or plan to own property in a company.

“Almost anyone can use this category,” says Debbie. “You can start as an investor by shares, and later transfer real estate to the same corporation.”

3. Securities Investment

• You must hold $150,000 in regulated securities via an authorized brokerage in Costa Rica.

• Certification must come from the brokerage, backed by a local CPA.

How Does CAJA (CCSS) Factor In?

Residency applicants must register with Costa Rica’s Social Security system (CAJA) once their residency is approved.

“People forget about the registration part, but that’s where issues arise,” explains Sue, Quatro Legal’s expert on CAJA.

💡 The key difference in monthly CAJA payments:

Each CAJA office may interpret regulations slightly differently, but Sue and her team navigate these 85+ offices to optimize your contributions and avoid surprises.

🔄 Example of Long-Term Impact:

Over 5 years, a Rentista could pay ~$20,000 in CAJA fees vs. ~$6,000 for an Investor.

Why People Are Shifting to the Investor Category

• Rentista qualifications are stricter than ever.

• CAJA costs are significantly lower for investors.

• Flexibility: you can start renting, then buy property later through your corporation.

• Tax advantages available to residents who invest after obtaining residency.

How Quatro Legal Can Help

Navigating immigration and CAJA registration alone can be overwhelming. That’s why Quatro Legal offers:

• Personalized residency strategy consultations.

• End-to-end immigration processing.

• CAJA registration with cost optimization.

• Legal guidance tailored to your situation.

“Moving to a new country is a big adventure,” says María José. “We’ll guide you from start to finish and make the transition smooth.”

Disclaimer: The information provided in this blog post is for general informational purposes only and is not intended to constitute legal advice. While we strive to ensure the accuracy and timeliness of the content, laws and regulations are subject to change. For the most accurate and up-to-date information, please contact our office directly. Some images may be AI generated.