I would take a deep breath and count to 10. Thailand, at present, is more trouble than it’s worth. The visa situation is problematic … or at least a pain in the backside. Do you really want to pay all your cash for a small apartment unit? As others have said, borrowing money without a PR is difficult. I could go on but Thailand is just not foreign retiree friendly. Honestly, before I would consider buying anything in Thailand I would first rent a condo unit for 12-24 months to understand if I can even abide the place.