Commercial and Operational Playbook

Market strategy, operational processes, and tools for GoWeBa private financing operations.

Market Strategy

Target Segment

Ideal buyer profile:

• Foreign national (Canadian, American, European) looking for property in Quintana Roo.
• Investment range: $150,000 – $750,000 USD.
• Does not qualify for Mexican bank credit.
• Has down payment available (20-40%).
• Verifiable income in country of origin.

Ideal lender profile:

• Individual investor or family office seeking returns of 8-12% annually.
• Appetite for real estate assets with real collateral.
• Investment horizon: 3-10 years.
• Familiarity with the Mexican market or interest in geographic diversification.

Acquisition Channels

1. Real estate agent network — Partnerships with brokers serving foreign nationals in the Riviera Maya.
2. Digital marketing — SEO in English/French for keywords such as "financing property Mexico", "Riviera Maya mortgage for foreigners".
3. Real estate events — Presence at real estate expos in Cancún, Playa del Carmen, Tulum.
4. Referrals — Referral program with incentives for existing clients.
5. Strategic partnerships — Developers, notaries, relocation agencies.

Buyer Due Diligence Checklist

Required Documentation

• Valid passport (certified copy)
• Mexican visa (if applicable) or FMM
• Proof of address in country of origin (< 3 months old)
• Proof of income (last 3 years)
  • Tax returns / declaraciones fiscales (tax filings)
  • Pay stubs / employment letters
  • Financial statements (if self-employed or business owner)
• Bank statements (6 months)
• Bank reference letter
• Signed source of funds declaration form
• Completed KYC/AML form
• Authorization for credit history inquiry
• Proof of funds for down payment

Verifications

• Sanctions list screening (OFAC, EU, UN)
• PEP (Personas Expuestas Políticamente — Politically Exposed Persons) screening
• Biometric identity verification
• In-person or video KYC interview
• Income source validation

Property Due Diligence Checklist

Property Documentation

• Seller's title deed (escritura)
• Updated lien-free certificate (RPP — Registro Público de la Propiedad, Public Property Registry)
• Property tax clearance certificate (constancia de no adeudo predial)
• Water and utilities clearance certificate (constancia de no adeudo de agua y servicios)
• Current property tax bill (boleta predial)
• Architectural and topographic plans
• Construction permit (if new construction)
• Condominium regime (régimen de condominio) (if applicable)
• Current insurance policy (or quote)

Property Verifications

• Commercial appraisal by a certified appraiser
• Physical property inspection
• Permitted land use verification
• Restricted/non-restricted zone verification
• Comparative market study
• ZOFEMAT verification (if located in a coastal zone)
• Structural assessment (if construction is > 10 years old)

Operations Dashboard

Key Metrics (KPIs)

Periodic Reports

1. Daily: Payments received, new applications, delinquency alerts.
2. Weekly: Credit pipeline, due diligence status, conversions.
3. Monthly: Full portfolio, delinquency, returns, new closings.
4. Quarterly: Market analysis, policy adjustments, rate review.

Digital Origination Process

End-to-end flow on the GoWeBa platform:

Online application
      ↓
Automatic pre-qualification (WEBA IA)
      ↓
Document upload (WebaForm + WebaDrive)
      ↓
Due Diligence (automated checklist)
      ↓
Credit Committee (approval/rejection)
      ↓
Contract generation (WebaForm Legal)
      ↓
Digital + notarial signature
      ↓
Disbursement
      ↓
Monthly administration (payments, reports)

Source: Report "Financiamiento Privado Inmobiliario — Quintana Roo" prepared for GoWeBa Legal, 2026.