Ecuador Beach Real Estate Information

The Ecuador beach real estate information below can help you decide if the middle Ecuador coast (Manabi Province) might be a place for you or not.


San Clemente fishermen in front of Palmazul at dusk.

We have ten mid Ecuador beach real estate tours from December 2009 to December 2010, each lasting 4 days including travel to and from Manta. You should arrive in Ecuador one day before the tour travel date.

How is this for an Ecuador beach view?


This is a view from houses built above Crucita.  We bought condos just off the beach about three fourths of the way to the bluff in the distance.

Would you like this sunset view on Ecuador’s coast from your front room?


Our mid Ecuador coastal real estate tours cover a 60 miles stretch of beach from Manta to Bahia.

The tours focus a half day each on Manta, Crucita, San Clemente and Bahia.

Here is a house for sale in Crucita, front…


and back…asking $105,000.


Is this close enough to the beach?  Remember that tides and high waves diminish as they grow closer to the equator and this beach is on the equator…in Ecuador.  What a relief not to have the worry of hurricanes on the equator and much less worry about coastal erosion.

More on the tours in a moment…first some geography….and three warnings.

There are four Provinces on the coast, Esmeraldas, Manabi, Guayas and El Oro. Three main cities are Esmeraldas in the north. Manta (Manabi) in the middle and Salinas (Guayas) much further south on the coast.

Development radiates from each of these towns. There is much less developed property between each.

There is enormous growth potential in each of these areas…but let’s get down to the nitty-gritty, the three warnings, first.

Warning #1: Health

We rarely go south of Salinas into South Guayas or El Oro Province.  The beach gives way to mangrove…conditions are more primitive and there are health concerns. For example one authoritative medical website wrote:

“5 persons have died so far in 2006 because of meningitis and hemorrhagic dengue, conditions that are affecting coastal areas in Ecuador , Dr. Ivan Zambrano, Ecuadorian Minister of Health, announced on Thursday, 09.02.2006. He pointed out that the main epidemics caused by the intense rainy season are classic dengue fever (561 confirmed cases) and hemorrhagic dengue fever (23 confirmed cases, including 3 deaths). He indicated that coastal provinces mostly affected by dengue fever are Guayas (310 cases) and El Oro (Peruvian Border, 118 cases). Dr. Zambrano stated that the sanitary situation in Ecuadorian coast is ‘worrisome’ because of the effects of heavy rainfalls.”

If you plan to go south on the coast, see a MD and get your vaccinations. Merri and I do not take shots so we generally avoid this part of the coast. Plus the water is not so good on Ecuador ’s coast. Unlike our high Andes hotel, El Meson de las Flores, where we drink water from the tap, we drink only bottled water…anywhere on Ecuador ’s coast.   Over a decade ago, when we were exploring every inch of Ecuador, we went to this area and it was the only place that we were sick…and also found that this area did not hold our interest in any way.

Warning #2: The Shakes

There are also…like in California , earthquakes. The Andes and this region is a new geological location (in geological terms) so this area is more prone to the shakes than for example our home in our other home North Carolina’s Blue Ridge which is a very ancient, very settled geological formation. The equator is delightfully free of hurricanes and typhoons…but I guess anywhere there is a huge body of new mountains and large amounts of ocean there is some risk of natural disaster. Earthquakes are this regions nemesis…and yes, there is earthquake insurance.

Warning #3: Colombian Guerillas

Plus we avoid Esmeraldas…too close to the Colombian border. When you are in doubt about an area, a simple rule of thumb is …”follow the missionaries”. They are a fearless lot, going places where most people won’t. If missionaries won’t go somewhere, you probably should not either. The Latin America Missionary web site recently wrote about Esmeraldas:

“Miami (LAMNS)—New reported threats against Americans in Colombia are once again causing U.S. missionaries to be careful about their movements. Along Ecuador ’s coast near the city of Esmeraldas , Batchelor reported that missionaries have had to take caution.”  Another thing that has caused us to not have interest in this area is that it had more humidity and heat…and although we love the sun, we do not like these qualities.

There you have it…three warnings. This may seem a strange way to invite you on a tour, but having taken thousands of people there…all, I might add, without a single mishap…I know that some people should not come to Ecuador’s coast at all. I hope I have weeded the more particular who only like their sand and surf, mopped, groomed, with casinos, shopping centers and lots of entertainment. If you love immaculate, sterile, cold, paved, polished, flashy or high rise…do not come on this tour! Stop reading here.

This may seem strange because you may not have heard this before from those who sell land on the coast. They may forget to mention these warnings because they want you to buy land on the coast. Selling that land is their job.

We are publishers and we sell information, contacts and tours.  We offer tours all over Ecuador. We do not sell real estate. Our obligation is to you, our reader, and we never take commissions or any reward for the sale of land. Our staff is forbidden to accept real estate commissions. One developer in this area offered to give us a fully serviced lot with incredible ocean views. He appreciated that 16 of our tour delegates had purchased lots from him. We were polite but we refused to accept the gift.

We are looking after you our reader. We are not property sellers! In fact we will encourage you not to buy real estate on your first trip…though I have to admit we are often ignored.

Having said this…for the adventurers and even slight adventurers, if you would like to see mile upon mile of coastline that is empty, wild, wonderful, alive, beautiful paint peeled and a bit rough around the edges…then read on!

The Ecuador mid coast real estate inspections begin in Manta, which is the major city where you will see condos, houses, some theaters, shopping malls, etc. We visit many Manta condos like this, with…


views like this.  They typically run about $100 a square foot.  This is usually the most expensive price you’ll see… by far.


Another Manta condo has…


this view from condo balconies.  This condo has a nice infinity pool with quite a view.


We look at Ecuador beach property in San Clemente also. This is where Merri and I have purchased.  Our apartment is top floor, left here at Palmazul Spa.


These are 1,200 square feet, two bedroom, two bathroom condos selling as low as $79,000 including clubhouse membership.

Here is one of our groups taking a closer look from the roof garden of one Vistazul condo.  These beach condos are just one of many properties we view on our tours.


Merri and I scoured Ecuador for 13 years and have driven its coast, top to bottom, again and again. We have taken thousands of people on real estate tours here. We finally settled in the high Andes and this part of the beautiful Pacific. We have a house in the mountains and our apartment and condos here on the sea.

The tour actually begins a day before the group starts looking at real estate when flying from Quito to Manta.  Then travel from Manta by luxury bus and inspect real estate in Manta, Crucita and the next day north to Bahia and return to Quito on the fourth day.

We stay at Palmazul and see the Vistazul project where the spa facilities are available to home owners. Nice… living in a spa, on a beach, Palmazul. Tennis court, pool, beach, fine dining, exercise room and all.  The hotel provides a nice discount to tour delegates by the way.. only $60 a night ($45 per person for double occupancy) plus 22% service & tax. This includes breakfast & dinner.

We look at all types of property for sale in this area. Here are more Palmazul shots.  Here is the beach at Palmazul looking to north and…




We view condos offered for $30,000,  $25,000… even some cute little, three bedroom houses just off the beach that are $21,000.

Then we’ll head north to Bahia, the nicest town on the coast, Bahia has 50,000 people and is Ecuador’s first Eco City. We view condos, houses and lots for sale along the way. Here is a Bahia beach condo.


Condos like this are often offered at $75,000 with views like this…




wonderful sunsets.


In Bahia, we’ll also stop by Casa Ceibo to see how an old houses like this…


This is an old B&B for sale at $60,000 (asking) near Vistazul.


Casa Ceibo was an old house transformed into…


a luxury, boutique hotel that…


our delegates enjoy visiting.

We cram in as many properties as we can without neglecting some time for fun and relaxation.


We also take walks on the empty San Clemente beach.


What specific properties will be shown? I do not know. The tour is researched just before we start, inspecting land and buildings that are for sale at that moment so we can maximize the efficiency of your trip. Our goals are to find a cross section of property.

In the end you enjoy four days of travel with like minded souls led by experienced travelers and real estate buyers and our trained staff, who know the area…who can provide you with all the important reliable contacts you need…attorneys…property inspectors… architects and brokers who can work with you… in English.

I guarantee that you’ll save time… and avoid trouble. You’ll gain safety,  get to see many more properties on wonderful surf and sand.. than you would see on your own.

The tour fee includes the course, all bus travel, plus pickup and return to Quito airport if required.

The fee does not cover round trip air fare from Quito to Manta, accommodations or food. Quito/Manta round trip fares (our group price) are $98 at time of this writing. Palmazul is $60 per night ($45 per person for double occupancy) plus 22% service and tax including a full breakfast and dinner. A typical lunch is $5.


How We Can Serve You

2015 Schedule

Schedule 2015  Seminars and Courses

We conduct our Investment seminar at Jefferson Landing in Jefferson North Carolina.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here is the courses we currently have scheduled in 2015. 

Live Long & Prosper More

One of the most frequent questions readers ask is “How can I make my savings safer but also sufficient for life?”

“What is the time horizon of a lifetime?” I ask.  Time horizons are one of the most important elements in investing and most of us will live longer than we expect.

For example in a moment, you’ll see how this exercise is actually connected to my investing portfolio because it alters my investing timeline.

llama walk

(Gary Scott doing Andean yoga.)

Overall US life expectancy at birth was 78.8 years in 2013.  Women live longer, 76.4 years for men, 81.2 years for women.  You’ll be happy to know that those statistics don’t apply to you and me.

How most of us think about life expectancy is wrong.  That overall rate is the average of all people, young and old.  The older we are, the longer our life expectancy grows.  Right now those who are 50 years old, life expectancy is 85.6 for women and 81.6 for men.  The expectancy of a 50 year old is 5 or 6 years longer than the overall expectancy.

As we age, the expectancy gets better.  At 65 the expect age is 87.9 for women and 85.3 for guys.  At 75  there is another boost to 88.6 and 90.5 years.

This is good news and even better is the fact that a succession of six technical panels established by the Social Security Advisory Board, in 1995, 1999, 2003, 2007, 2011 2013 all stated that Social Security was assuming unrealistic mortality rate improvements.  In other words, life expectancy continues to grow.

There is a lot we can do to improve the odds of a long, active life even more.  In fact we can improve them much more.  A University of Washington publication “12 Reasons Yoga Helps Extend Lifespan” (1) shows 12 wasy that yoga extends life.

A UC San Francisco study “Lifestyle changes may lengthen telomeres that measure cell aging” (2) show that exercise, nutrition, meditation, diet, exercise, social support  and yoga can extend life even further, as much as 12 years.

This is why I practice yoga and meditate almost every day and adjust my investing to support a long, busy, lifeline.

How can we have a strategy so our savings, investments & income are sufficient for a full lifetime?

Our life expectancy can be much longer than statistics suggest. That’s really good to know but longer life expectancy is expected to worsen the shortfall in Social Security by 11 percent over the next 75 years.  What will a longer, active life due to our savings and budgets?

During nearly five decades of global investing I have noticed that some people, such as Warren Buffett, have a good value strategy that makes sure they do not lose, but increase their wealth again and again.

What is this strategy?  It is a good value strategy based on three tactics.

The first tactic is to seek safety before profit.

A research paper that studied Warren Buffett’s investing strategy was published at Yale University’s website. This research shows that the stocks he chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.  Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.

The Buffett strategy integrates time and value for safety and profit.

A third, limited leveraging, tactic in the strategy boosts profit.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.   The Yale published research paper shows the leveraging methods used by Warren Buffett to amass his $50 billion fortune.  The researchers found that the returns from Buffett’s investment company, Berkshire Hathaway, far outweighed those achieved by any rival that has operated for 30 years or more.  The research shows that neither luck nor magic are involved.  Instead, the paper shows that Buffet’s success hinges on using leverage at the rate of 1.6.

This rate of expansion by the way is called the “Golden Ratio” and it is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

To sum up the strategy, Buffet uses Golden Ratio to make large purchases of “cheap, safe, quality stocks”.  He uses limits leverage so he can hold on for very long periods of time, surviving rough periods where others might have been forced into a fire sale or a career shift.

The study found that Buffett applies a leverage of about 1.6 to 1, boosting both his risk and excess return in that proportion.  He uses the Golden Mean in his borrowing, not too little, not too much.

Thus his many accomplishments include having the conviction, wherewithal, and skill to operate with leverage and significant risk over many decades.

Learn how to use this type of three point strategy with the Purposeful investing Course (Pi).  This course is based on my 50 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.

One secret is to invest with a purpose beyond the cash.  When we invest with purpose, doing what we love, we do better and we joyfully put in more energy, time and care.  This is nature’s irony.  If we chase just the money, human nature tends to make it run away.   If we pursue our passion and work with more than concern for the cash, the wealth can’t resist us.   This is the purpose behind, “Purposeful investing”.

Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.  More about the gap in a moment.

Learn how to create profitable strategies that combine good value investments with unique, personal goals.

Spanning the Behavior Gap

Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire. By nature investors are risk adverse, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math through the Pifolio – The Pi Model Portfolio

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it is based entirely on good math.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my (almost) 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends): Michael Keppler, Eric Roseman, Thomas Fischer (for currency positions) and Richard Smith, PhD (for trailing stop alerts).

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

Fwd: keppler

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.   To invest according to the Country Selection Strategy, it is necessary to construct diversified, risk-controlled, representative country portfolios in every BUY rated country, weighting each country approximately equally in the overall portfolio.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs that are similar to index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required.  You are investing in a diversified portfolio of good value indices.  A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Pi adds my fifty years of experience and brings insights to numerous long term cycles that are part of the universal math that affects all investments.

For example in the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value non US developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio that includes each or all of these countries with Country Index ETFs.

The current strength of the US dollar is a second remarkable similarity to 30 years ago.  The dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  There is so much more to write and the trends are so clear that I have created a short, but powerful report “Three Currency Patterns For 50% Profits or More.”  This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of Keppler Asset Stock Market and Asset Allocation Analysis so you can keep this as simple or as complex as you desire.

The report shows 20 good value investments and a really powerful tactic that allows you to accumulate these bargains now in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

Research shows that most people worry about having enough money if they live long enough.  This powerful profit wave can eliminate that concern.  My experience of the 17 years in the 1980s and 90s combined with the science shared by my four friends (Keppler, Roseman, Fischer and Smith) can make the next 17 years so rich, you’ll always be rich.

You’ll receive the report “Three Currency Patterns For 50% Profits or More” free when you subscribe to Pi.


The 50 years of experience the Pi course shares also explains when leverage provides extra potential.   For example in 1986 I issued a report called The Silver Dip that showed how to borrow 12,000 British pounds (at almost 1.6 to 1 dollars per pound the loan created US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

silver chart

Imagine investing in a spike like this… with leverage!

Silver had crashed, I mean really crashed from $48 per ounce.   As prices decreased from early 1983 into 1986, total supply had fallen to 449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986.  Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year. The $18,600 loan was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to 1.40 dollars per silver.  The loan could be paid off for $13,285 immediately creating an extra $5,314 profit.  The profit grew to $47,499 in just a year.

Conditions for the silver dip have returned.  The availability of low cost loans and silver are at an all time low.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.

The price of silver has crashed all the way from nearly $50 an ounce to below $14 an ounce as did shares of the iShares Silver ETF (SLV).  (Click on chart from  (1) to enlarge.)

At the same time the silver gold ratio hit 80, a strong sign to invest in precious metals.

I prepared a special report “Silver Dip 2015” about a leveraged silver speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers can take advantage of these conditions and leverage 1.6 times as a speculation.

The speculation is so time sensitive with such fast profit (but also loss) potential that I will only offer it shortly.

You receive the Silver Dip 2015 FREE when you subscribe to Pi.

Save $158.95

Subscribe to the first year of The Personal investing Course (Pi). The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $27 report “The Silver Dip 2015” free for a total savings of $158.95.

Triple Guarantee

Enroll in Pi.   Get the first monthly issue of Pi, the first five “Golden Rules of Investing” and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2015” right away.

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free purposeful investing.

If you are not totally happy, simply let me know.

#2:  I guarantee to cancel your subscription and refund your subscription fee in full, no questions asked.

#3:  I guarantee you can keep the golden rules of investing and “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2105” report as my thanks for trying.

You have nothing to lose except the fear.  You have the ultimate form of financial security to gain.

Save $158.95.   Subscribe to the Pi for $197.


(1) University of Washington “12 reason yoga helps extend lifespan”

(2) UC San Francisco “Lifestyle changes may lengthen telomeres measure cell aging”




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