Not the best solution because if you terminate your PMC, you may forget or delay getting your own insurance again.Interview several PMCs and ask a lot of questions about HOW they execute the services they provide.

People who did it wrong and weren't able to execute.

In my view, bitcoin is the truest form of money, it is the American dream.  

.🔴 Incomplete or disorganized documentation: Missing detailed plans, financial statements, or timelines could mean the borrower isn’t ready to execute the project successfully.🔴 Over-leveraged finances: Borrowers with excessive debt or insufficient personal capital invested in the deal could pose a greater risk of default.🔴 Questionable property comps: Overstated market values or inappropriate comparables may mean they’re inflating expectations.As always, thorough due diligence is your best protection.

Also given the fact that its darn near impossible to get any kind of civil judgement executed and collected on in Portugal. 

I'd see if the employer would let me receive part or all of the bonus in 2025 for a number of reasons:- More time to pursue and execute tax-saving strategies- (Possibly) more time to hold on to the $$$ before taxes are due (2026 vs 2025)- Chance that, post-election, there is a possibility that there could be tax changes effective 2025 that could possibly help your situation. 

There is more things to consider when using this strategy its best to plan ahead and begin the mortgage planning as soon as possible so if a deal comes along you will be ready to execute. 

While debt can be a powerful tool in real estate, over-leveraging can increase risks, especially in volatile markets.This strategy, when executed well, can be an effective way to build wealth through real estate.

So this is right in my wheelhouse, I'm just now trying to put together my plan on how to jump in and execute.  

Sponsor has executed this strategy multiple times, management company specialize in this kind of asset-Does the Asset support the business plan?