Just keep in mind that using that emergency fund to buy your next property and having tapped a HELOC already may leave you in a bad spot if you run into a similar problem again.Also, I’m not 100% sure, but I have heard that personal loans don’t your credit more so than other types of debt so be sure you look into that if you go the personal loans route and then planned to finance your next purchase soon after.

Well, when goes down that's bad for buyers.

The bad news is the LTV is 95% currently, and after a $4 million paydown it's still 88.6%. 

Quote from @Martin Jones: YouTube gurus will tell you to borrow money from someone else, but that's bad advice for a beginner.

Why do you say its bad for the original owner long term?

Like most countries, Spain will tax you on your worldwide income if you're a resident, as does the US in most countries (so maybe it's not a bad thing that Canada isn't the 51st state - LOL again).

A PMC can get a bad reputation really fast and be forced to use only the WORST contractors that are unreliable hacks. 

If you just hire the cheapest or first PMC you speak with and it turns into a bad experience, please don’t assume ALL PMC’s are bad and start trashing PMC’s in general.

Bad tenants and squatters are wholly different situations.

People are busy with the holidays, and very few are focused on moving. 22 days isn't ideal, but it's not bad for this time of year.