David J. Patey and his brothers, Mike and Mark, fit the bill. David, 36, was born in Israel but raised in Utah. He is one of 11 children. In 2003, he moved with his wife and two children to Costa Rica primarily to learn Spanish, but also to run his company, Costa Rica Consultants, a firm that specializes in private, high-volume mortgage loans to the Costa Rican market. Since then, his family of four has grown to seven.