@Jason ColemanI work with a great cost segregation company.

With due respect, I don’t think you understand the difference between a consumer-purpose loan and a business-purpose loan.

Good on you for starting and thinking about this now rather than later... honestly I wish I did that, BUT all of our journeys are different and unique!

There are different forms of buyer agency agreement , including a non exclusive agreement in which you can work with more than one agent at a time , this is probably best for the investor.

Some items to be aware of include, but not limited to:  zoning in County may conflict with the City, utilities that belong to the City infrastructure may require that you annex the property prior to rezoning or other entitlement, County development standards may be different or less stringent than City standards which would cause the development to be non-compliant when annexed.I would echo the same as Bryant Brislin, you will definitely want to connect with someone that can navigate this process for you. 

Have extra company?

The population is growing, job market is growing, and so many major companies moving and developing out here like Intel, Google, Meta, Amazon, etc. 

every lenders prepayment penalty works a little differently 

The ROI quoted by some companies selling coffee farm parcels in Boquete is totally unrealistic. 

@Ben Stanley If you are talking about a house hack where you rent extra bedrooms that will be a little different than buying a 2-4 unit property and living in one of the units.